Keep or Trade: 2011 X5 3.5d

[Crash513]

Hi all - Need some inputs here. I realize this is a first world problem, but I am conflicted about what to do with my BMW!

My 2011 is coming up to the end of it's BMW select contract in December. For those of you who are not familiar with the select program, it functions essentially like a lease with a predetermined payoff (balloon payment) at the end of term. The original MSRP was around $74k and my select payoff is $22k. Right now, the KBB value (based on "very good" condition and 55k Miles) is $28k for private party sale, and $23 for dealer trade in (I know, it's just an estimate, not necessarily what I will get for it).

Herein lies my dilemma. I could pay the car off and then turn around and sell it. I'm not looking to make any money flipping it, but this IS one option. Otherwise, I can work a deal to trade it if I make a deal on a new X5. I'm actually planning to replace it eventually with either another 3.5d or possibly an eDrive 4.0. The two dealers I've worked with locally have both indicated that they could at least pay off what I owe in a trade without rolling over any negative equity.

The last option is that I pay it off and keep it, at least for now. this has been by far the best car I've ever owned, and I really wouldn't mind buying it outright and keeping it for a few more years. My wife is concerned about keeping the car after the extended platinum service plan expires. She's probably right about this since we all know BMW's are factory programmed to blow up a transmission or smoke the Nav system the day after the warranty ends. But I might be willing to take my chances, since the mileage is so low, and I love the car so much.

So, inputs are appreciated:

Who thinks I should keep the car, and why?
Who thinks I should buy it out and sell it off, THEN buy a new X5, and why?
Who thinks I should trade it on a new X5, and why?

Thanks all for your inputs...