The thing is, I'd probably skip the AI detection unless you're washing a lot of delicate or mixed loads regularly. Most people aren't dealing with that much variety - it's usually jeans and t-shirts, maybe some work clothes. A standard machine with a few good cycles (delicate, normal, heavy duty) handles almost everything fine, and you learn pretty quickly what works for what after owning it for a month or two.
That said, if you've got a bunch of expensive or finicky fabrics - silks, wools, athletic gear, that kind of thing - then yeah, the automatic adjustment might actually save you money and hassle over time by being gentler on stuff that would otherwise deteriorate. The water and detergent optimization could add up if you're doing a ton of laundry. But if you're mostly washing everyday clothes, you're probably paying for a feature you'll use maybe once a season. The $200-300 difference is real money, and you could spend that on quality detergent and hangers for delicates instead.
My advice: look at the regular cycle options and read reviews about how well the basic modes handle mixed loads. If people say the standard settings are solid, stick with those. Save the AI money for when you actually need it, or put it toward a bigger capacity if that's something you're short on.