David - I hear ya. For some reason, I just always thought BMWs were reliable. Guess I didn't research the X5s enough.

JCL - In my searches, any policy that covers wear and tear literally covers everything, and costs about $10k. I wish there was a way I knew I'd get that much back out of it. People will complain more than praise. That's just our nature. You'll read more about what went wrong than what's right. But I look at it like this. If nothing goes wrong, there's nothing much to say. So I look at the amount of complaints. I'm nervous, to not have insurance, but like you said, something is probably more likely to wear out than break.