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Originally Posted by DinanX5
Actually, 295/40 20s won't make a significant difference in overall diameter (741.7mm) from most OEM combos (my 255/55 18s are 734.1mm; OEM 255/50 19s and 285/45 19s are 739.1mm) if you used them in the front and the back, but they do require at least a 10" wheel, which I'm told will cause rubbing in front, so they're not recommended for front use. And if you tried to combine them with the 275/40 20's - which are a little smaller in diameter than other stock combos (729.0mm), than you would have somewhat of a mismatch...
And in terms of 87s vs 132s, you can't go wrong with either. I think they're the 2 best looking X5 wheels out there - I've been working on this very same decision (along with going back and forth b/w 19" and 20"... ) I think I landed on getting OEM 19x9, 19x10 132s (with 285/45 19s tires front and rear) in the spring for myself though.
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If you're getting OEM 19x9 and 19x10, you can't go 285/45-19 on all corners. Even if you could get the tires on the front 19x9 rims (the tire sidewall bulge would definitely look weird), they will definitely rub the suspension. My current setup with 255/50-19 on OEM 19x9 fronts only have less than half an inch clearance between the tire sidewall and the strut. If you really want to do 285s all around, then you need to go with a different offset than OEM for the fronts.