full xt and save some cash for some sexy lightweight wheels <- practical decision
And the best one. I’ve always found that decent, well-built lightweight wheels makes far more difference than something like XTR over XT. I’d go the extra for XTR shifters, mind.
Wheels; hand-built Hope on Mavic/DT/Stans rims will be very light and fast. I’d have those over XTR wheels, any day. Easily replaceable spokes, cartridge bearings and a lot cheaper. Like, less than half the price. In fact, you could go to Tune Hubs, or simliar, for still less than XTR, or King, for around the same sort of money.