Hmm if you wanna buy private party, get it inspected and buy a warranty to be on the safe side. There's the possibility of a few electronic things fritzing especially if there's the adjustable ride height.
There's a load of CPO X5s sitting at my dealership, and thanks to high resale value, a lot of them cost a lot. But there is a 3.0i listing for under $28k and there's always room for negotiation. Alas, it has quite a few options including xenons which it seems you dont want

. There's other ones in stock though w/o xenons. PM if interested. Xenons were optional equipment across the board until the 4.6is came along. Then in 2004 there was a facelift and xDrive AWD system, and xenons became standard on the 4.4i in 2004 (or 2005). Also in 2004 there was the debut of the adaptive xenons, which swivel left/right.
Dang I never knew xenon stealing was that big of a problem.......how's it work? Like one morning you walk out and see your headlight smashed out and the bulb assembly stolen?!