i just wanted to say a big thank you to all who replied to the post.
drove off the lot last night with a new 2014 x3 35i black sapphire/black nevada m sport dhp w/tech, cold weather, drivers assist, high beam, rear window shades for $605/mo, 0 down, 15k.
the dealer offered the BMW tire/rim protection package, which was pricey but can be cancelled. is ithis or another 3rd party protection worth it? i live in the urban NE (trans. pothole central).