
I was in a similar position to you and brought a 2011 40D SE Feb 2017. It was a non BMW garage and came with 3 months warranty. The car was 1 owner, full BMW SH since new and £64K miles. Also has Pan roof and the kids open/close it on almost every journey if its not raining. I paid £20,500 and then had the same dilemma as you. Warrant from BMW was £2K which i didnt have nor could afford. I only do about 5K a year. Since ownership I have not spent a penny on the car except tyres (£900 for the 4) and servicing. It costs close to £100 a tank and that lasts me about a month. I dont think id like to fund an X5 if i was doing high mileage. I use my local garage as they have looked after every car ive had. A full service was about £380 - no idea what BMW would have been but considerably more id guess. In my case I would have not had a penny out of warranty, but I do understand others have paid for their warranties twice over. I guess it depends on what risk you are comfortable with. I will probably look to sell mine on after this winter. I figured I could get quite a bit of work done for £2000 at my local garage should the need a-rise. (fortunately it hasnt).......yet. The only time its seen a BMW garage is for the recalls.