Wouldn't buy from a dealer for such a new vehicle.

Go private party and use the warranty to fix up any issues, saving yourself at least a couple grand in the process.

the 3.0 liter gets 18mpg in mixed driving and in a world of $3.50 gas, you have the leverage....

FYI I saw a 2006 x5 with 12k miles in Pittsburgh (stick shift) offered at $32K on ebay.