I know Rich can comment on having the AFE CAI and I can comment on having the Dinan CAI.
Dinan typically groups their software with what other performance mods you are putting on the X5.
Stage 1 software the dyno numbers are typically ran on a stock X5. Dinan will usually replace the air filter with a standard K&N air filter and run the tests. They recommend running Stage 2 software with the CAI and then Stage 3 with the CAI and TB.
If you are only going to add the CAI, I would save your money and do Stage 2 software, the only difference Stage 3 is going to give you is the additional software programing for the X5 to handle the TB.
Dinan will not do an automatic upgrade from Stage 2 to Stage 3 if you decide to add the TB later on. So, you have to plan out your modding.
The gains between the AFE and the Dinan CAI are very similar. I know Rich is running the AFE with Dinan software, so you can do the two and save yourself some money.
Personally, I like having the Stage 3 software, CAI and TB. Plus I think the Dinan CAI looks better than the AFE. In regards to points, the software, CAI, and TB will get you to 7. Add the front strut tower brace and racing pedals to hit the 10 point mark.