Originally Posted by LeMansX5

You did not mention:
Driving style? spirited or not? Driving will be for people who enjoy the luxury of a BMW. In a few years, it will then be passed onto somebody that would want a car for spirited driving. That is why Adaptive Drive or a M car would be a bit more important here.

Utility requirements? No coupes. No convertibles. Size of a 3 series would do. There is an E53 X5 for the utility work.

Seating requirements? 5 seats would be optimal but 4 seats would be fine. There is an E53 X5 for seating requirements.

M3 will cost you more than MSRP as you have to factor in the cost of winter set of wheels and tires. So will X5 or X6 with low profile performance wheels. Yes, winter tires will cost over MSRP but lets not think about that just yet. The M3 would require it first, but maybe there could be some talking to to the dealership to get narrower rims on the X5 or X6 before delivery.