My bottom line payment is very close to yours but I do not have HUD, HD radio, Sirius or CA but got the full tech package (big deal on the camera as the PDC does the trick) and most of all I didn't get the 4.8. Of all the deals I read about on these pages these PGA are the best. I am going to look for one of those in two years.

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2007 X5 3.0 Alpine, Tobacco, Dark burl, Prem, Sport, Tech, Rear Climate, 3d row, Running boards, Ipod.

2006 530i Amythest Gray, Sand, Dark burl, Sport, Comfort seats, CA, Sat and best of all 6 speed.

Retired:
2007 X3 (auto)
2004 Z4 5 Speed, Sport (RIP)
1995 325i
1989 325i