My LHT is 9-speed with a triple. 105 is really for 10-speed, though I'm not sure it makes any difference up front. In general, I don't think more money = more reliability when it comes to components involved in shifting. I think what you generally buy is lighter weight. A ten-speed chain is a lighter, narrower chain. It may be that 9-speed chains are more durable, but I don't know.

For what it's worth, I agree with the volvo analogy. The LHT is a great bike, but it's aiming at a different target than "fast and light". It's a workhorse, and cushy ride, and I think the component choices of the complete bikes makes sense for touring and utility. People differ about bar-end shifters, but I love them.