Just an update...I was having a couple bad days dealing with the overall price i paid for the car. I ended going back to the dealer and requesting they take the GAP ins. and warranty off the car. They also charged me for a set of wheels I didn't even want...so I ended up lowering my payment and overall cost by about $7k. My payments are still a wee bit high but hey, it's a BMW. I also got the wheels swapped out for standard spoked 17's