I have a 2014 TL and its dope as hell. Luxury interior, smooth ride, great on gas, awesome sound system (although i added a sub to mine.
Test drive the cars then make your decision. TL drives far better than the other two options IMHO.
I was with you until the last 2 sentences
i tested an Optima SX the other day, then an accord sport... The Kia was not only the more comfortable ride, the engine was much more responsive...