It really depends on which model you are planning to get...the options list is deep and combinations are complicated. Start by figuring out which model you want and go from there.

Premium and sport packages have some essentials, but that varies by model. Comfort seats are great. The 20" wheel package makes a big difference for handling. The Nappa leather dash makes the interior much nicer. The M sport package looks great. There is a new M performance package which is a must. The M sport steering wheel with paddle shifters is very nice, also.

Adaptive drive is fine, but not worth the $3500 IMO. I had it on my last 2 X5s but didn't choose it on the latest one and I can rarely tell any difference. The stock and sport suspension is nicely dialed in. If it was under $1000 as it is on every other BMW, i would have gotten it.

The best thing about the technology package is the auto hi-beams, which can't be ordered separately. I had the tech package on my previous M and rarely used the HUD or the side-view cameras. Premium sound is nice, but not mandatory. Ventilated seats are nice, but I was always worried about spilling something on the perforated leather...and when I did, it was really tough to get out.

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2017 Nissan GTR Red/black - Tune/midpipe
2013 BMW X5 50i M-sport Alpine white/black - Dinan stage 1
2016 Jaguar F-Type R Gray/red