DJI doesn't typically create RC-N3 FMC packages with Plus batteries. It would also be nice to have a package with Plus batteries and no remote controller.
DJI does not currently sell DJI Care Refresh for drones in the US. If you need insurance in the US, you'll have to purchase from an insurance company that covers drones.
Some options here to save a couple hundred more:
https://mavicpilots.com/threads/where-to-buy-recently-released-dji-drones-from-the-us-updated-daily.154722