Suggest you get a CPO, as a BMW warranty is easier to deal with than an aftermarket warranty. What you can't do is assume that because it is CPO, everything is perfect. You still need to do your own pre-purchase inspection, and due dilligence, before making a purchase decision. Some purchasers decide that they don't need to do that because it is CPO, and they end up paying for that decision.

I wouldn't get the maintenance plan, unless you are set on using your dealer for all maintenance work, and want to include the price of that in your financing. You will likely require brakes and regular services, not much more. You don't have to use the dealer for maintenance, but if you decide you want to, you can still always do so. Why pay for the maintenance in advance? And if you don't use the dealer, you can find it at a lower cost.

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2007 X3 3.0si, 6 MT, Premium, White

Retired:
2008 535i, 6 MT, M Sport, Premium, Space Grey
2003 X5 3.0 Steptronic, Premium, Titanium Silver
2002 325xi 5 MT, Steel Grey
2004 Z4 3.0 Premium, Sport, SMG, Maldives Blue