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The X5 is not designed to use a 0w-20 oil. BMW sets it's own oil specifications, known as LL-98, LL-01 & LL-04. Common to all of these oils is the requirement that they have an HTHS of greater than 3.5, same as ACEA A3. A 0w-30 oil with an HTHS in the mid 2 range will lead to accelerated wear at the bearings and cam lobes.
If you are concerned about cold starting performance, all oils with a 0w rating have to pass the same cold test pump, regardless of their thickness at operating temperature (i.e. 20, 30, 40, 50 etc). So for optimal cold start performance while maintaining adequate protection for the bearing and lube, you use a 0w-40 or heavy 0w-30 that meets BMW LL-01 and/or ACEA A3.
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