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I would be curious to know the parts pricing breakdown. On my last vehicle (Acura RDX) I bought an aftermarket hitch (made by the same company who fabs the Acura hitch) and then bought the Acura wiring harness. This allowed me to save a few hundred dollars on the hitch, but get the plug-in harness made for the car rather than using a generic converter and splice job. I'd be inclined to do the same for the X3 since BMW's pricing is in ripoff territory. Keep in mind the Curt hitch is only $120-130 online.
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