My insurance company gives me a discount because of the " Stolen Vehicle Recovery" feature of my 2013 X3 - these savings surpass $200 a year service cost for me. So I will definitely opt for the telematics upgrade.
I also called my BWM dealer, and they knew nothing of the upgrade option for BMW Assist telematics - weird they are not on the same page with BMW corporate office.
For three BMW Assist upgrade options you need to get to
www.bmwassistoffer.com