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OP, regarding the X3 lease value. IMO, you can improve the buy price (of currently $45k). Roughly, there's $3.6k delta between MSRP and invoice. I would aim for $500-600 over invoice. Additionally BMW is offering $1k in Holiday Incentive. This would put the buy level closer to $43.4k.
I wouldn't just look at the lease payment. Rather each number that is used in a lease. This would include knowing the buy price (including available incentives), money factor (i.e. interest rate) and acquisition fee. Most dealers will mark-up the m.f. and acq. numbers.
If you are opting for Xeons, consider the Convenience Pkg. As a standalone option, Xeons are $900. The Convenience Pkg adds Comfort Access, Adaptive light control and shades for another $400.
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