I've been lurking for a while here as I've tried to decide between an Cayenne S, X5 and a 535xi wagon. I decided last week that I'm going to go for the X5.

What are the must have options? I cant decide if I'm better off going with some of the packages or individual options. The Premium Package in particular is seems somewhat padded with stuff that's not worth the extra cost beyond say, BMWAssist. The Cold Weather package is another one. Is it worth another $400 to have heated steering wheel, ski bag and headlight washers?

Also, a dealer has quoted me a deal that is basically $2,400 over invoice with a mark-up of the money factor to .00245 vs. .00210. Can I get a deal done at $1000 or $1,200 over invoice?

My desired set up is a 4.8i, space gray, either beige or black (can decide), sport, 20's, heated, rear climate, premium, SAT, comfort and technology package.

Any advice or help is appreciated.