Thanks a lot everyone for the feedbacks!
Regarding 50i, I feel that for my driving I won't need it 90% of the time. And I must have 3rd row option, but 3rd row is not available with 50i (based on the 2020 ordering guide).
I've taken more looks at ivory white photos (thanks MystroX5!) but now I think I'm more convinced towards coffee. But I'm also leaning towards poplar matte over aluminum dark mesh. Anyone has photos of coffee and poplar matte combo?
Now someone said upgrade to coffee extended merino ... other than the material, is there any difference between coffee vernasca vs extended merino?
Other things:
Luxury seating package makes sense (since I'm already getting multi countour)
21" wheels... yes, tires will be expensive unfortunately (already learned that with my current X5 with 20" wheel upgrade). Maybe I'll just stick with original 20" wheels.
LSM, with 22" wheel you can't get 3rd row. I think the reason is 22" is non run flat so they give you a spare tire by default.