Since you didn't mention any injuries to yourself or the other driver, I'm assuming that you're both OK. Glad to at least hear that.

My parents and I were out Christmas shopping in NW Pennsylvania quite a few years ago when we were rammed by a female teenage driver on the front driver side. She was totally at fault (we were turning left on a green left arrow and she said she just didn't see the light-- I think it was probably because she was too busy yammering away on her driving distraction, err, cell phone...) The jarring took about 6 months for me to recover from, my father's recovery time was somewhat longer. My mother still has a few problems related to this accident to this day.

Since she was clearly at fault, I can only hope her insurance writes you a big fat check to cover the cost of getting your X5 fixed... Hopefully the cost will also make a few allowances for you to get the upgrade you want-- you should be able to get a little something for your inconvenience and her stupidity.