Here are some comments from a 2017 F3L owner, who rydes two-up with wifey about 80% of time. Mostly day trips, no extended touring. Back country roads, occasionally in the hills; mostly out finding a new bistro for lunch, sometimes shopping.
Firstly, I read your location as Los Angeles; are you really going to need heated grips? We spend half our lives in FL, and never turn the heat on; only rarely use it in spring/fall back in Canada. Nice feature, but not an absolute necessity IMHO/experience.
Secondly, I see you are switching from an RT to either an F3T or F3L. I understand the dilemma of choosing one over the other. Before I did my test rides, I really thought I was going to be buying the RTL. Considerations of comfort/safety for the wife were paramount. The decision was easy for me when I found that my hips would not tolerate sitting on the RT - almost instant cramping and pain; was very afraid I wouldn't be able to move my right foot to apply brakes. We test rode both models anyway. Happy was I when wifey said she preferred the F3L over the RTL; made for happy unanimity. In your case, I assume your wife is already used to the back seat of the RT - backrest support/top case; maybe you have arm rests, maybe not. If she is used to/comfortable on the RTL, then your closest comparison for riding comfort features is going to be the F3L. It has the nice added comfort features that the F3T doesn't have - integrated back rest/top case, passenger floorboards, auto-adjusting rear shock, heated passenger grips. Yes, you can spend less, get an F3T without the added 'L' package, then pick and choose the extra bits that you really want. Going with the 'L' to begin with is simply a lot more convenient. That was a deciding factor for us. Buy the bike, hop on and ryde!!
However, here's a wrinkle... after going with the F3L, I decided in the interest of my wife's comfort and safety to add passenger arm rests. These are not heated (at least the BRP version are not); just expensive. In the long run, we got the heated grips all-round by going F3L, but then wound up sacrificing those heated passenger grips anyway, when I switched to arm rests. So, you might think about that issue if you are picturing your wife using/wanting arm rests. If anyone has an F3T and wants to add a pair of OEM BRP heated passenger grips, I have them, mint, unused, and might consider selling; they're just sitting in a box getting dusty.
Before you make any decision, take test rides on the different models, with and without various features if you can. Some guys seem to like the F3T over the F3L because of the larger sprocket (more teeth), which supposedly gives more take-off power/speed. All I can say after two years is that my F3L is plenty fast for me and the missus. It will go much faster than I will ever ride it (and I've never been called 'pokey'), and not many others get away from stop lights as quickly as we do; we're not racing, and don't really give a damn if they do move quicker or pass us anyway.
If you do choose F3L, you will find that rear top case to be a fabulous blessing. So handy to store helmets, stash groceries, or take along extra gear when touring. And the self-adjusting ride feature, along with passenger floorboards has really added to our overall comfort. Really nice package if your wallet can handle.
The decision is yours; if these reflections from our experience help, then we're happy to have offered.