Buy X5 but VERY confused about 2013 SAV and Premium models

[S65B40]

Hi, New here, but not to bmw.

I have never in my whole life been so confused about what REALLY is the difference between the Premium X5 and the SAV besides price and wheels.

All i know so far is the SAV is $2500 more, and comes standard with 20in wheels. IS that it?

Im sorry if this is a repost but ive done several searches on this topic and while several threads about it exist on this and several other forums, no one ever seems to have a definite answer. Some say the suspension on SAV is different, some say its the same as X5 premium.

I've also had CAs tell me that there is no difference in suspension between the 2 models and the $2500 is merely for cosmetic wheels and a headliner.

Some have said you only get sport suspension IF you order the M-sport package. very confusing now.

In addition, when i build out the SAV on the bmwusa site, it has "SPORT SUSPENSION" checkmarked already. So, does that mean, the SAV Does indeed have a different suspension?

when i compare the vehicles side by side on their comparison page, there is no difference at all in suspension. So this is entirely confusing.

Please help me clarify once and for all.

1. If there is a sport suspension, what is it specifically?
2. Does the SAV stand taller than the Premium because of 20in wheels?

BMW site says the height for both cars is 69.9, exactly the same.

thanks so much