Have had both - the F85 squealed terribly as anyone who owned/owns one can attest. The F95 is much better in regards to squealing, however, it is not non-existent. I would agree with them being dirty contributes, but I've also noticed it more in the cold as well (maybe the car is just more dirty in winter?).
Again, don't expect zero squeal but it's also going from something that's a constant annoyance to something people probably wouldn't think twice about if this was their first X5M as it's much less frequent.
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