I think it's more important to say:
Are you so lazy and uninformed that you must take your out of warranty BMW to a BMW dealership? If so, then don't own a BMW out of warranty.
If you enjoy some basic DIY and have a good indy BMW specialist, then it's no big deal.
From a financial viewpoint: I spend less per year to maintain a 11 year old M5 (one of the most expensive BMWs to own) than most people in the f30 forum spend each year paying for depreciation.
So alot of people who want their newer car warranty to avoid a sudden financial stress are actually paying more in their cars lost value each year than they would if they simply accepted an out of warranty car.
P.s. I've owned my m5 for 12k miles and it's rolling over 115k miles. I've spent ~$1800 so far, including about $1200 as soon as I bought it to replace the worn parts identified in my pre purchase inspection. Since then, it's been quite a fine ride.