I'm currently in negotiations on a 2003 4.6is...but just found this one...and wondering what yall think....

2003 X5 4.6is
Imola Red/Black
51k miles
CPO
NAV
Running Board
Brush Guard
$38,000

or

2004 X5 4.8is
Imola Red/Black
38k miles
Pano roof
$45,000


So, is the 4.8 worth $7k more than the 4.6? i'd probably have to buy ext. warranty after it expires, whereas the 4.6 is good till 100k.
Just want to know which is better...before i even propose this other option to the wife.

thanks
franklin