Filter, o-ring and crush washer kit - $15
Oil - on sale with online discount from Advanced Auto $40

So $55 bucks isn't bad considering it's a very eash change and takes all of 15 minutes to do with most of the time being used to wait for all of the oil to drain.

Sorry, i can't give advice on the location of your filter. Mine is under the hood, on top, front driver side.

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2000 X5 4.4i w/ 150K miles.