Forgive my rookiness (word?) but I have narrowed down my choice for a 2009 X5.

Is the 4.4 worth the extra money? What options are "must-haves"? I know that each person has a different opinion as to what can be defined as a "must-have," but I didn't know if there were certain options that everyone has agreed upon.

Here are my personal "must-haves":
Nav
Backup camera
iPod hookup
Bluetooth

My "don't-wants":
3rd row seating
Rear DVD

My "ok, I'll splurge" list:
Heads up display
Adaptive cruise control

My goal is to find a CPO and/or stay under $45,000


What production month should I look for and what does LCI mean?
Thanks so much for your help!