In which case you dont get SMS as you have telematics. You get bluetooth voice in the package, You wont get Nav voice control if you dont have the voice control option ie the additional Voice module in the trunk on your drivers side enclosed panel.

Again easiest way to tell without looking is to press your voice button on the steering wheel and say HELP if you dont get a response you aint got it.

But you can retro fit it, the wiring will be there,thats what I did, see the X5 home page someone posted a how to under navigation.