If it helps, there is a low mileage (26K) '04 engine on fleabay for $4,500. I would think you might get 25% of that for a damaged engine with higher mileage. Changing a water pump or alternator is a minor repair. It would cost around $300 for the gasket set alone to split the engine.

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2022 X5 xDrive40i MSport
2021 X5 xDrive40i