MD......surely you mean the 550i, not the 540i right? Those really are quite expensive. Wait for the 535i since it's getting a facelift for 2008. V8 power with I-6 pricing.

Or if you're like me, get a "good ol' days" BMW and a 2001-2003 540i. And the plus side is you'll never need to relearn anything because the interior would be the same as your X5!