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If you bought a X5 you would need more than 48k once you started playing with the options.
Going back to chip, I had one on a Astra diesel for 300 miles to 120,000 miles. I drove the car very hard (company car with company fuel in those days) and didn't have any engine problems or servicing issues (I did take it off every service).
I would say if you go for a sensible increase from a good company you should be OK.
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