OK.. Now we're into a can of worms
'AMI' as it's known wasn't 'standard' until the MMI3G but was an option and is easy to retrofit to any 2G MMI system. You can plug in iPods, HDDs, Memory sticks, or even bluetooth if you buy the right adaptor.
Not sure about 4-zone being standard, but anyway... Heated rears were definitely an option (mine has them).
The one with the SD cards is a 3G MMI system I'm guessing which also has better sat nav (though still no full postcode), better screen and a little joystick style top for the MMI control.
Bluetooth phone was standard from the 2006 FL I think...