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For ~$2Gs you could fix/bring your current car back to very good shape, and you really seem to enjoy/trust your current X.
For ~$11Gs+ worth of loan/outlay, you can get a V8 '06, which may need ~$2Gs plus worth of tires and stuff...
As nezarnuaimat noted, it's your dough, and as JWMich advised, get a PPI by a knowledgeable BMW indie. I suspect that PPI will discover more work that needs to be done.
I would stick with the car/devil I know.
GL, mD
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