Firstly, you don't need, in any way, the dealer-offered paint and interior protection. It is an overpriced trinket the dealers offer, and is really nothing more than a good wax and sealant that you can do yourself or get done independently much cheaper than the dealer's price.
Tire and wheel protection (or insurance) CAN be useful if the roads where you live are in poor condition (potholes, broken pavement, etc); BUT often the price of the protection is high, and you can "self-insure" for a lot less. If offered by BMW NA itself, it may be useful; if offered by a third party insurer, I would pass.
Sounds like this dealer is playing the usual games more often associated with "Detroit" products. Sounds rather unprofessionl to me.
2016 340i xDrive EB MPerf
Plus 18 other BMWs since 1971..