You're probably well-ahead of this, but I mention just in case ....
Are you looking at 4x2 or 4x4 in the STX / XLT?
If 4x2 this is moot, but if 4x4 the transfer case difference between XLT and lower (ESOF with 2H, 4L, 4H) vs Lariat and higher (TOD with 2H, 4L, 4H, and
4A) was a significant factor (along with several other items) in my decision to go with the Lariat 500A.
I wanted 4x4, the TOD /
4A provides full-time 4WD ('safe' on any surface at any speed) which I really like for driving when wet, mixed wet / dry, or other less-than-ideal surfaces are encountered both towing and 'empty'. Note that, with either ESOF or TOD, 4H is not recommended for use on even wet pavement due to risk of damaging drivetrain 'binding'.
Yeah, the price-jump to the Lariat was not insignificant, but amortized over the long-term I expect to own the truck it was worth it for me (YMMV, no worries!).
I was building
my dream truck, you're building
yours! Have Fun!
