Contact Randy at
http://eiskits.com (phone 404-795-2185) about a Bluetooth retrofit kit for your 2002 X5, he should be able to set you up with everything you need. Tell him you were referred by X5world
Regarding switching cellular carriers, GSM carriers such as Cingular and T-Mobile definately seem to have a much broader set of phones with Bluetooth. I have Cingular and am very pleased with the service. Coverage can be somewhat region specific, though, so you might want to check on
http://www.howardforums.com to see if there are recommendations for a good carrier in your area.