When my wife and I moved 1,5 yrs ago to the US from Europe and realized that X5 here is approx. 50% European price, we decided to buy it. I was 32, with two mortgages in Europe... the payments were huge, because we got the financing only for two years, but paid it off a few months ago... I would not worry in your financial situation to buy X5
We are pretty active: diving, skiing, hiking, biking, etc. I am not into Japanese or American cars…. X5 is the only BMW to accommodate our needs (we would buy F11, if it was available in the US).