[pookiemalibu]

So it's go time folks. Lease is up on '21 F95. First of all, I absolutely LOVE(D) this car. So now I'm a month deep into the allowable two month lease extension and don't know what to do. The i7's are offering great deals (10% off sticker + $12,900 in incentives). Not a huge fan, but the new LCI F95 is pretty nice, but also $300-400/month more expensive than my current lease.

So give me your thoughts (and votes), should I:

1.) Buyout the current F95 (if so, what's the best process? sell back and buy or just buyout via BMWFS prior to lease return -- I've never done this so don't know the best way).

2.) Build a new i7 (maybe even bump up to M70) with incentives.

3.) Build a new LCI X5MC.

Assuming all things are equal, save the car payment being a few hundred more on the M70 and the X5MC, what should I do?

And now I humbly await your decision, Jail King...

[Alan l.]

I personally went with option 1.

My rationale was LCI X5M is nice but wasn't worth paying 135K for one when my 2020 lease buy out was 70K. There just wasn't enough there for me to justify it. A new lease was going to cost me an additional $600 more per month compared to what i got my 2020 X5MC for

Personally i couldn't drive a car that I wasn't attracted to and that i7 falls in that category.

My plan is to buy extended warranty for my car which still looks near showroom new and keep it for another 2-3 years then pick up the new M5 touring after they work out all the kinks from that drivetrain.

Alan

[pookiemalibu]

Originally Posted by Alan l.

I personally went with option 1.

My rationale was LCI X5M is nice but wasn't worth paying 135K for one when my 2020 lease buy out was 70K. There just wasn't enough there for me to justify it. A new lease was going to cost me an additional $600 more per month compared to what i got my 2020 X5MC for

Personally i couldn't drive a car that I wasn't attracted to and that i7 falls in that category.

My plan is to buy extended warranty for my car which still looks near showroom new and keep it for another 2-3 years then pick up the new M5 touring after they work out all the kinks from that drivetrain.

Alan

Alan,

Did you buyout with cash or through BMWFS? My portfolio is doing well and I'm hesitant to buyout with cash. Interest rates aren't what they were in 2021 when I got the car, but still manageable. How did you go about the process? Also, what's the warranty cost look like? I'm thinking like you: extended warranty, keep 2-3 years and decide from there. Unlike you, I think the i7 is a beautiful car, but I love the sound of that V8. Hopped in a friend's Ford Lightning and couldn't even tell the damn thing was on when he started it (nice truck though). Leaning towards your way of thinking, just the thought of a new car is always intriguing...until the novelty wears off and then I wonder if I'll miss the F95.

[MADBMWX5MC]

I will opino about the other options below, but I will never buy a new car as long as there are decent used cars around. Rationale? Depreciation is crazy. For example, bought the 2021 JGC SRT with 700 miles in 2021 for 10K less than what the original owner paid for; bought the 2023 X5MC with 2K miles in 2023 for 30K less than what the original owner paid for. Not a fan of anything that has an "i" in front of anything for now and I think the X5M is much more vehicle than a Cayenne. All this is just my humble opinion.

[Samurai of 2day]

Agreed with a few of the points made above.

The LCI doesn't seem to offer enough change or upgrade when compared to pre LCI, so I too don't think the increase in monthly lease payment would be worth it.

I am in the same camp about the I7. It's not an attractive car to me, but I can understand the appeal it has for others.

Lastly, my opinion about the M70 increase in price point over your X5MC wouldn't justify the extra cash a month, simply because the X5MC is just a better looking, better performing (probably) and has a more engaging interface than the M70. I will admit however, I have not test driven the M70.

Like many have already voted and in line with your option 1, I will most likely be buying out my '22 X6MC at lease end this coming summer. I haven't done this before, so curious to see how Alan l. experience going about this and how your decision turns out, ultimately.

[Alan l.]

This was my first time buying out my lease and the process was surprisingly easy.

I shopped around online through several major banks for the buy out amount+tax. I went with BOA since they were the easiest to work with and had a competitive rate at the time of 6.4% Once I confirmed I wanted to proceed BOA sent BMWFS the check and they ultimately sent the final paperwork over to me where i could re-register the car with BOA as the lien holder. Once i did that step at the DMV I uploaded the proof to BOA and that was it. I also had 7MSD with BMW which i just used to pay down the amount owed on the car or you can ask them to send you a check.

Some states requires you to bring your car back to the dealer for an inspection because you are effectively buying a used car. I didn't have to do this. I did reach out to my dealer about buying out my car and my sales person basically said i'll be better off doing it on my own because the dealership is going to need to make a profit off me if i went through them.

All in all the process is much easier than I thought. Fidelity seems to be the go to for extended warranty and i've been quoted about 4-5K for 3 year Platinum coverage which is the highest. Gold was about $3-4K which covers your drivetrain stuff.

Alan

[S2000M5]

Option number 1

I regret not having done so with my F90...

[xmanpro]

Originally Posted by pookiemalibu

So it's go time folks. Lease is up on '21 F95. First of all, I absolutely LOVE(D) this car. So now I'm a month deep into the allowable two month lease extension and don't know what to do. The i7's are offering great deals (10% off sticker + $12,900 in incentives). Not a huge fan, but the new LCI F95 is pretty nice, but also $300-400/month more expensive than my current lease.

So give me your thoughts (and votes), should I:

1.) Buyout the current F95 (if so, what's the best process? sell back and buy or just buyout via BMWFS prior to lease return — I've never done this so don't know the best way).

2.) Build a new i7 (maybe even bump up to M70) with incentives.

3.) Build a new LCI X5MC.

Assuming all things are equal, save the car payment being a few hundred more on the M70 and the X5MC, what should I do?

And now I humbly await your decision, Jail King...

You got any rattles in the car? Year 4 the rattles are gonna be insane especially with the fatigue the interior goes through in that Florida sun.

I would go with the LCI. They upgraded the fit and finish and the gearing/shift points so the car feels as fast/tuned as if it had a race chip built it. If your portfolio is doing well then $400/month extra ain’t really anything.

[pookiemalibu]

Originally Posted by xmanpro

You got any rattles in the car? Year 4 the rattles are gonna be insane especially with the fatigue the interior goes through in that Florida sun.

I would go with the LCI. They upgraded the fit and finish and the gearing/shift points so the car feels as fast/tuned as if it had a race chip built it. If your portfolio is doing well then $400/month extra ain’t really anything.

True. Weirdly I’m more of a fan of the pre LCI. We also live in North Florida (almost at the GA line) so the sun isn’t as bad as SoFla. And she was a garage queen during the middle and end of COVID.

No rattles yet. Only issue was spark plugs which were replaced under warranty. The $400 isn’t the issue. It’s the principle. It’s principality’s involved Smokey.

[xmanpro]

Yeah I know Tally well, my m3 is there.

Sounds like you’ve made your mind - which is good!

I have to say the lack of physical buttons for climate etc and lack of rear door comfort access in my LCI is a bummer. Everything else is cool.

[pookiemalibu]

Originally Posted by xmanpro

Yeah I know Tally well, my m3 is there.

Sounds like you’ve made your mind - which is good!

I have to say the lack of physical buttons for climate etc and lack of rear door comfort access in my LCI is a bummer. Everything else is cool.

You live in Tallahasse!? We should meet up w the Ms.

[CarMan77]

Personally, I like the pre LCI better. However, I don’t like owning vehicles, I prefer lease. For me I would confirm the buyout amount is close to what the true trade in value of the M. If if is within, $2500, $5000 max, I would strongly consider the buyout. What Porsche Cayenne would you consider?

[Alan l.]

FYI just purchased the Fidelity Platinum extended warranty. 36 month, $500 deductible for $4360. Very reasonable. Transferable when you sell the car or you can get a prorated refund.

Alan

[xmanpro]

Originally Posted by pookiemalibu

You live in Tallahasse!? We should meet up w the Ms.

I’m out of town but back in a few weeks. Will hit you up ahead of time!

[pookiemalibu]

Originally Posted by CarMan77

Personally, I like the pre LCI better. However, I don’t like owning vehicles, I prefer lease. For me I would confirm the buyout amount is close to what the true trade in value of the M. If if is within, $2500, $5000 max, I would strongly consider the buyout. What Porsche Cayenne would you consider?

That's a hard decision. Met a guy the other day w/ a $220K Turbo GT. Runs 0-60 in 3.0 seconds +/- .2 seconds. Nothing special about the interior. Carbon fiber roof, which meant no sunroof. Nice ride, but not worth $100K extra when I can chip/remap the F95 and be damn close to that number. The honest answer is one of the E-Hybrid models to take advantage of the $7500 lease credit. But an ~.0040ish MF, even that is a huge outlay for significantly less car IMO. Panameras look nice, but they apparently depreciate like a rock.

Can't I have both? Keep the old F95 and get a base/"stripper" Cayenne? Buyout on the F95 is close to what I'm seeing on autotrader.

[spaceage]

Does a "+/- .2 seconds" 0-60 time honestly factor into your decision of what car to drive? Do you run Draggy weekly or something to verify the number?

[pookiemalibu]

Originally Posted by spaceage

Does a "+/- .2 seconds" 0-60 time honestly factor into your decision of what car to drive? Do you run Draggy weekly or something to verify the number?

Yes. Beating (or at least the ability to beat) some [pick your favorite pejorative which describes car owners of brand(s) you hate] off the line at a red light matters to me. I'm petty. Sue me.

[crabman]

I usually use the metric of YTA (YouTuber Average) for the 0 to 60. That's the number that you see when the YouTube kid is reviewing a car and he/she measures the metric on camera at some random place and time. Seems to be the number that best jibes with what I'll get by invoking launch control and letting it rip myself.

This is the M at around 3.5, and the GT at maybe 3.1ish. Thats a pretty big delta. Carwow has featured both in several races and X5M beats most of its class competitors. The GT walks away from them all, except for the Model X. Gets beat by that one.

So yeah, looks like you're going electric. Lol

[CarMan77]

Originally Posted by pookiemalibu

That's a hard decision. Met a guy the other day w/ a $220K Turbo GT. Runs 0-60 in 3.0 seconds +/- .2 seconds. Nothing special about the interior. Carbon fiber roof, which meant no sunroof. Nice ride, but not worth $100K extra when I can chip/remap the F95 and be damn close to that number. The honest answer is one of the E-Hybrid models to take advantage of the $7500 lease credit. But an ~.0040ish MF, even that is a huge outlay for significantly less car IMO. Panameras look nice, but they apparently depreciate like a rock.

Can't I have both? Keep the old F95 and get a base/"stripper" Cayenne? Buyout on the F95 is close to what I'm seeing on autotrader.

Totally understand. Wifey has 2022 Cayenne EHybrid with all the suspension options and it is planted around the corners. But the V6 has nothing on the 8 of the M. Having driven the Turbo S that is another matter. I think it is a better value than the Turbo GT. If your buyout is close to CarMax or Carvana trade value, I would just keep it. BTW, “principalities” Big Worm reference, classic.

[pookiemalibu]

Originally Posted by crabman

I usually use the metric of YTA (YouTuber Average) for the 0 to 60. That's the number that you see when the YouTube kid is reviewing a car and he/she measures the metric on camera at some random place and time. Seems to be the number that best jibes with what I'll get by invoking launch control and letting it rip myself.

This is the M at around 3.5, and the GT at maybe 3.1ish. Thats a pretty big delta. Carwow has featured both in several races and X5M beats most of its class competitors. The GT walks away from them all, except for the Model X. Gets beat by that one.

So yeah, looks like you're going electric. Lol

YTA. That's great! Sadly it's probably the best real world metric you're gonna get. I guess I'm thinking for that extra $100K, you could mod the F95 into a true beast. Hell, you could probably do it for like $50K.

Originally Posted by CarMan77

Totally understand. Wifey has 2022 Cayenne EHybrid with all the suspension options and it is planted around the corners. But the V6 has nothing on the 8 of the M. Having driven the Turbo S that is another matter. I think it is a better value than the Turbo GT. If your buyout is close to CarMax or Carvana trade value, I would just keep it. BTW, “principalities” Big Worm reference, classic.

Damn, forgot about the V6. The GT Turbo Coupe is a V8 though I thought. Still though, to get all the BMW features (simple shit like HUD and folding mirrors) the cost is ridiculous. I'm sure I'd love the car, but at $200K, there's much more fun stuff out there than a P-Car SUV. I'd honestly rather just bite bullet and find a G-Wagon (even stupidier, but at least it looks like nothing else on the road).

[crabman]

I get it, I'm a Porsche fanboy, not the blithering idiot kind, but I do like them. They're just so darn spendy. I like my cars loaded because I want all the toys. I think the Cayenne is maybe the best in the segment but an S the way I configure it is 10k more than a loaded X5M and it's not hard for me to figure out which car I'm going to enjoy more.

The GT can walk the walk but yeah, it's a tough ask at the price differential. You've gotta have a fat chunk of I-don't-care-money.

[Alan l.]

I saw a GT the other day and while its nice, its not 220K nice. i didn't even know it was a GT until i saw the badge in the back because it looked like a regular Cayenne coupe i see all around my neighborhood.

Hard to visually beat an X5MC with a drop and some nice wheels.

Alan