Dreaming of full-frame goodness

So, as per the 'About' page, I've got my eyes set on upgrading to a Canon 5D MkIV body, and while I have a couple of EF-mount lenses already, I'll need one or two more to make a good all-round kit.

After researching a couple of different possible retailers, it seems that most are offering a body & lens kit for around the $7,500 - $8,500 range. There are two different kits that interest me:

  1. The 'Premium' kit, which has the 5D MkIV body with a 24-105mm f/4L IS-II USM lens
    ($7,399 RRP from the Canon online store)
  2. The 'Professional' kit, which has the 5D MkIV body with a 24-70mm f/2.8L II USM lens
    ($8,399 RRP from the Canon online store)

Realistically, the only reason I would look at the 'Professional' kit is if I was consistently using a tripod, since the 24-70mm doesn't have any Image Stabilisation. Given that the vast majority of my shots are hand-held, choosing a non-IS lens doesn't make much sense. Also, the larger range of zoom of the 24-105mm is very appealing from a versatility standpoint. I could quite practically take that lens, and maybe a 70-300mm f/4-5.6L IS USM and that should cover all my bases for most of my trips. That f/2.8 on the 24-70mm though...