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I just took delivery of an M50i about a month ago lol. Talk about timing.
I think if I had the information I have now I would of held onto the M3 and traded it in / looked at getting an X5M later in the year. It is a buyers market at the moment because no ones really looking to spend right now.
However having said that, really enjoying the M50i (Even with all the software bugs I have) and in Australia an X5M is an extra $55,000 AUD on top of a base M50i. So no regrets here.
No one knows your situation so only you can decide.
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