I had the Premium liner installed in my F150. I preferred the semigloss finish and didn't want the black liner fading to gunmetal gray in the sun. The Standard lining looked too industrial and was pretty much guaranteed to fade over time.
I believe the Max tier is just the Premium liner sprayed thicker. Probably only necessary if you're a heavy duty user. For less than the upcharge of the Max liner, you could probably find a used rubber bed mat online to toss in the back for added protection if you needed it.