I bought my X3 from germany, and it was quiet there. But when I got back to Finland, the weather did something. It was very quiet at the start, but got noisier all the time.

I took it to service, and they told me that this is normal thing with bmw:s. They put some blue tape between different noisy places. So that rubber does not contact rubber there where is can move. After this, its been quiet almost a year now.