I can't remember what the X5M has for rears, I'm guessing like 315's. Either way, I've got 295's on the back of my 7 w/ 3M and don't have any issues w/ chipping. I don't even see how chipping could still happen if there is a film on there unless it's some off brand or too thin.
I didn't consider the mudflaps for protecting the boat behind it, and even if they were installed to serve that purpose, I still have to agree with E53is that those look terrible. Time for some quick release screws and a stubby screwdriver/allen wrench so they can be installed as needed vs being on all the time 
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650hp 10 X5///M - Stage 2, Vibrant 1794's , gutted cats, custom intake, AC Forged 22's 325hp 98 BMW 740iL - ///M5 6spd, www.bavengine.com w/ Performance Option, electric fan, CF intake tube w/ heatshield, Mag 14816 w/ notched bumper, Bilstein/H&R Stage II/Powerflex 600+hp 02 Harley F150 - MHP900 Stage 3 engine, KB2.3, 8# lower, 60# inj, Walbro FP's
135hp 01 TL1000R - M4 full exhaust, K&N, Yosh box, -1/+2 gears, 2CT's
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