Have you ever owned a convertible / tent top? if you own them long enough, you will put another tent on them. Maybe all that black wont get so hot in your region / climate. White top and interior has a broader resale market. Just points to ponder.
No this would be the first convertible for me. I've seen pics of the white top/interior, which I like a lot, but that would be something for way down the line. If I live that long. ;)