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I can't speak specifically to the X3 but I can say that my prior BMWs haven't been too bad from a cost of ownership standpoint. They've been very solid DDs overall and I've had no complaints. 5 years/100K should be a no-brainer and it's even pretty unlikely that you'll need any really major work done during that time.
It's cliche to say this but generally if you can comfortably afford the cost of entry to get into a BMW you shouldn't have any problems swinging the maintenance. I can't say for certain if the maintenance costs will be the same as for other brands over the life of the vehicle but I can say that if there is a difference, it's pretty insignificant.
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