If another serious problem similar to the Firestone situation from a few years back were to occur once again, I would not be surprised if the DOT were to clamp down on tire safety. Every tire company recommends to always buy tires of equal or greater load and speed rating than OEM ratings, but it is not mandated. I agree with the others who say stick with the OEM rating of 104H. If I'm putting my wife, kids, and parents, in my X5, I'm keeping my tires within spec.

But then, nobody pays attentions to the NHTSA and manufacturer recommendations anyways. Half the free world is probably rolling on underinflated tires and the Tirerack price is way cheap, probably cheaper than you'll ever see again.

Do what best fits your situation.