Bluetooth found!
 

My wife has been complaining about not having bluetooth for 3 years driving her 2007 X3. So I Google away trying to find the best solution, then come to find that the premium package (with roadside assist) on this car includes bluetooth.... duh!!
No mention of this in the manual, and apparently there is a separate manual for the bluetooth/phone, which did not come with the car. I just pressed the R/T button on the steering wheel, activated search mode on the phone, entered the PIN found on the bluetooth unit in the trunk area, and that was it!
So, if there are any other idiots like me out there, go ahead and activate your bluetooth!

Glad you finally found the BT! It is a shame you didn't ask here sooner. Your wife would have been happy 3 years earlier.;)