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The X5 is fairly heavy, and if you plan to tow anything, you really want a wheel that is rated for the vehicle as well as the proper load rating for the tires as well. So, choose one that is listed as an OEM one for the X5.
Depending on the brand, you may find two that look identical, but what you need is one rated for XH weight, so it's not just the size that is important. I know for the winter tires I recently put on, the same model tire was available in two different weight classes, and the XH was more expensive, but required.
Not all RFT are created equal, either. Some ride and handle about the same as their 'normal' equivalent and they just keep getting better. The first ones were really stiff. Many vehicles today now come with RFT so it's not just BMW. It probably costs about the same for four RFT versus four regular ones plus a spare, jack, and wrench, but the combination ends up saving space in the vehicle and weight. Less weight saves fuel.
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