nuts.
my options show I have the Code S640A (preparation for telephone installation universal). I do not have code S639 (BMW assist).
I would need to get a few modules to get bluetooth working... and since I RARELY use the phone while driving anyhow, its not worth spending hundreds buying the modules to upgrade. Would have been a neat upgrade if I was only one cheap module away tho

As always, thank you QSilver7 for your help