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If you can afford a X5, whether something is "worth" it really isn't about money, but whether you want that feature bad enough. Deeply personal. No one knows how much you want something. Whether something is of "value" gets really out of whack of reality once you get into these luxury vehicles.
I haven't heard the BW stereo, but the HK is "below average" in my opinion, even when compared to your bog standard range of vehicles like a Toyota or Volkswagen. The BW system comes with lights in the grills I believe. The lights, plus the fancy speaker grill covers, add more flash tothe car beyond any improved sound quality.
Sapphire Black with Shadowline is quite common around here so I can't imagine how it would hurt resale value. It's a standard common color.
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