Help Please! Need some advice re: 3.0 or 4.4

[dragoncoach]

This topic has probably been beaten to death many times but I'm going to ask again. I'm planning on purchasing an '04 X5 for the wife but am somewhat in a quandry as to which motor to look for. The 3.0 will probably be fine for everyday driving from here to there but we have a jet ski we will have to tow a few times a year. Not far, about 10 miles with no grades to go up or down. I'm thinking the 4.4 may be a little overkill. I know, you can never have too much power, but in terms of being practical, the 3.0 makes sense in terms of initial cost, maintainance, and repairs. I've really thought 4.4 from the beginning but would like any input anyone would like to share. I've even thrown an awd wagon into the mix but couldn't picture me driving a wagon. Thanks.