This thread is the reason why I only go for 2 year financing- more expensive then 3 or 4 years plans but worth it :-). Upgraded audio is an option I missed on my X3, along with the shade band on the windscreen... grrrrr
I'm glad I did stretch to the 30d- agree with the comment,'If you can afford it - life's too short for regrets!', but tempered with 'don't let your heart rule your head'
I could have afforded a fully loaded X3, but other luxuries would have been curtailed- and all those extras don't always mean that much when you trade in.
Just get the balance right- and don't live with regrets.