So got the X5 back already. The mechanic said no water in the oil, and no abnormal engine noises. He said the MAF was wet, and was faulting out, and the air filter being wet, it was starving the engine from oxygen, causing misfire. Now, this was an ASE certified mechanic, licensed to deal with engine issues. However at this point our insurance will keep the claim in a "paused" status for up to a couple years, for any related issues. Should there be any more issues with this, we will have the BMW dealer come and tow it..