Picking up new '26 forester hybrid today. What are they going to try and sell me, and is there anything that can't be purchased later?

I'm open to the extended warranty eventually, and the wheel/tire coverage (lots of city driving) but I don't particularly feel like dealing with and thinking about the hard sell from the finance guy. Is there anything I'll miss out on if I politely decline and figure it out later? Anything worth considering that most people don't?