Gotta be honest with you. If I had NO car payment, I would seriously consider staying with the car. The most dramatic change I've seen throughout different years are the headlights in 03. The panoramic roof in 04. Really, nothing elese major in my eyes. Biggest change is the newest model. (god it's pretty) just cannot swing the cash. Also, almost know what to expect from your current X5. Newer car, new set of issues?