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My advise to you is look for a low mileage X5 that is a year or two old. I've seen many reasonable priced 07 & 08's that look great. Let the original owner take the depreciation hit. Granted it's nice to buy a new car, but you can find something on the used car market that is just as close to being new and save yourself quite a bit of money. I've seen loaded 07's 3.0 with 10K miles for 40K and loaded 08's for about 45K.
I bought my 07 3.0 with the sport, premium, ipod, rear climate control for $39500.00 and that included the CPO. Their are some great cars to be had on the used car market. You just need to take your time to find them.
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