i had an x3 loaner as well, which i might add was a 3.0... that car is the biggest piece of crap that bmw has ever put out along with the old school ti models. it drives subpar to the 3 series and doesn't have any similar characteristics of the x5. it's cheezy inside with its nasty interior and is basically... waste of time and money for bmw and makes me cringe when i see it.