I think if you you can't diy and you are not willing to pay a lot for service these cars are not for you. I would think on average service costs on a x5 is three fold of a Toyota. But I doubt a Toyota can keep up with the x5 or is as posh.

My wife loves her cute x5. My job is keeping her liking it's reliability with my pre emotive diy. Got to replace the leaking oil cooler gasket before it may totally fail and irritate my wife and cause her to think where did my totally reliable but wimpy rav4 go?😁