I guess I'm just spoiled. I don't even have Bluetooth built into my personal car, a 2006 Audi A3, 3.2Q. I just use a little Motorola visor clip on device.
To use the wife's X3 hands free, you have to look at your phone book list on the radio to make a call. (no nav)
With the Moto visor clip, I just mash one button then tell it who to call. you never have to take your eyes from the road.
I'm posting this in the hope that the X3 can do this too, and we have just missed it.

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2007 X3, Highland Green/Sand & Black, ZPP, heated front seats and steering wheel, privacy glass, 18"wheels, Xenon HIDs, cargo net, sat radio.