Quick update on my side.
Clutch was dead. Direct 12V didn't help either and it allowed me to pinpoint problem.
I was able to take clutch off without opening system. I got coil out and of couse it's fried. There is no fuse or anything like that. Dead coil.
Of course, BMW wants you to buy whole unit, no clutch available separately. This means openning system, replacing,etc. You get picture, probably $1400+ at dealer when all said and done.
I found clutch coil only on eBay, however dimensions listed were little different. I contacted seller and he was very knowledgeble.
After spending 1/2 hour on a phone with caliper and coil in my hand he was able to find a match in his stock. It was shipped today. Guy was very happy because now he can list one on eBay as BMW X5 coil

He was very surprised that BMW used Calsoinic brand compressor.
Will post update later on if I succeed. Hopefully, it will be under $50 fix for me...