I have never leased a vehicle, but I am pretty sure you do not pay taxes upfront, they are part of each payment, so that 4500 would likely be a cap reduction cost payment and then tags title and license (which would run $200-$400 depending on where you are).
I presume you paid MSRP then. Your paying for the miles here. A typical LR sponsored lease is usually $750 (before taxes), only covers 10k miles and is for a HSE with comfort package (heated winshield and seats).
Considering your additional miles and your additional cost for the LUX, I think you are in the ballpark of the appropriate cost. You would have to look at the money factors as well to get a true comparison, but I do not think you are being ripped off, other than possibly paying MSRP by default.
If you drive fewer miles, then it will benefit you to buy it at the $32k after 39 months. If you drive a lot more miles you may have to buy it or pay a hefty chunk just to turn it in.
Check the market values when you get close to the 39 months and then you can assess your best next move.
With rates under 3% just about everywhere, it could make sense to just buy and stretch out the payments as far as 84 months if you need to as the interest is minimal and you have control over what you want to do to the vehicle at any time, plus you can keep lower insurance coverage if you want to.
The goal with any depreciating asset would be to never owe more than it is worth, but also to never pay much more ahead either if you have better places to use the money. Some will invest it, others fund kids and life.
If you bought this and paid 66K out the door (rough guess). 3% interest and 6 year terms would be $1002/month. After 39 months you would owe $31,720 on the loan. Not far off from your lease. Credit unions will often allow up to 7 years, which would make the payment in this case $872/mo, but after 39 months you would still owe $37,067.
So key is the miles and how long you want to keep the vehicle.
