*UPDATE*
took the X5 to the gym which is only 10 min drive so i let it warm up 10 mins, no issues..
fan seemed normal, wasn't sounding like a jet engine or honda fan so i'd think the speed is fine, a little ticking but once i got to the gym the ticking settled..
after 1hr45mins i went back out fired it up, the front shook a bit but i could tell it was cold, let it warm up 5mins or so, it went away, fan speed still seemed fine..
drove about 15 mins to pick up some food, went in came out, started fine, let it sit 5 mins, drove off another 15 min drive but hit the highway, brought it to higher speeds.. no issues..
only errors i have is stage 2 tailight warnings..
my coolant is below min but i can still see it so it's not completely empty..
gonna top it up and fill up the gas tomorrow.. also someone said put a tiny bit of lubricator in for the ticking, so will grab some too..
kind of scary if it was just an out of the blue thing but i guess i'll keep trucking it a long until the downpipe shows up and i bring it to a mechanic