I am older than 45, so what.

I still think its cheaper to buy a x5 4.8 if that is what you want. If your 3.0 was stolen or wrecked the insurance company would pay you for a 3,0. Based upon other posts on this site theift in the UK is a issue.

I also think that for driving around the NYC Metro area 20" rims give you too firm of a ride.

My 4.4 looks goods drives well and has lots of power. The 4.8 looks a little better and has more power but you are pay much more.