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Thanks everyone for all the feedback, really appreciated!
We'd be buying a second hand X5 so the cost premium for it isn't nearly as dear as on a new one. It wouldn't be for regular use but might add a bit of flexibility. For example, if we're going skiing with say 12 people in three cars but at the last minute one car can't go anymore then we could still squeeze all the people into a regular car and a seven seater or if we want to squeeze an extra person in on a trip. My fiancée and pretty much all her friends are short anyway, 5'2" etc.
The loss of a spare wheel seems to be the only real downside that I'd care about since I did have a tire blow out on our X3 a few years ago but that was because the previous owner put old tyres on the car.
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