I’m probably overthinking this decision but I just don’t have anything to compare it to.
fwiw I’ll try to give you a comparison. I own a 2013 Alumacraft 175 Dominator with 115 Yamaha. Looked up the xtr and very similar in specs.
As primarily a fishing boat it works great. As an all around boat to also do sunset booze cruises, works great. Pulling kids on tubes, all good(would need to add a ladder). Teaching kids how to ski with multiple adults in the boat, still good. Wakeboard, same story. Adult on two skis might be just fine, haven’t tried yet.
20 years ago most of our time was spent on slalom. Dad, myself, aunt, uncle, cousins, friends all slalomed while other friends wanted to learn. Now, it’s only me and just a couple times each summer behind the other boat in the family.
I don’t know your financial situation or how long you’ll keep the boat. You may be just fine saving the cash and not getting the 150. If your family and friends are anything like we used to be then the 150 would be mandatory.
Got curious and looked up the XS CT. If you’re thinking about watersports and don’t need/want/can’t do the 150 this is a really good choice for $1000 upcharge. If you were fishing or cruising only then maybe not.