Sorry but I think you have it wrong there! I had the first RC F-Sport and now have the facelift F-Sport and they have exactly the same leather seats.
Lexus has never to my knowledge ever advertised 'fake' leather as leather, they always have been clear that it is leather 'look'
F-Sport with Takumi pack will have the same seats as the 'simple' F-Sport. Takumi pack only adds the tech from the Takumi grade.
As stated, semi aniline is an uncoated leather, wonderful to touch but a real pain to keep clean. I had the Merc equivalent in my C class and had to clean the seats every week... (and not with your standard leather cleaners!)
It's all a mystery, a lottery...
I went from a 2.7ltr cdi to a 5.5ltr supercharged V8 and the insurance dropped £150, all else unchanged?
It then went up with the RC only to drop to it's lowest ever a year later.
Doing "happier journeying" means less stress, less road-rage?
Doing more miles, means greater practice, more experience, "keeping one's hand in"?
Both to me should mean lower risk and lower premiums?
Does the valuation cover the cost of replacing the car, like for like? That is, can you find a vehicle advertised for sale at that valuation? That surely has to be the 'acid' test of market value?
This is exactly why one books these things, to get a first hand view of the car. Even from brochures it can be difficult to appreciate the details.
You won't need to be checking out the headlight performance then!
Hope you find the right car for your needs 👍