I would definitly go with the Chestnut. It has a beautiful color and will look great with your black exterior. This is very subjective as is the case with all color/trim selections.
As for satin or black rails I would go with satin and order satin trim around the windows if you get the M-Sport. I like that contrast.
I did not order the premium hi-fi and wish I would have, that being said the standard sound system in the X3 is very good.
Good luck and make sure you post PICs after you take delivery!
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