Hi Big Blue,
Welcome to the big BMW family here........tink the rest of the bros have given u sound advice n I wont repeat wat they say.
However, I share a different view; nowadays the commission n monies that the sales pple earn is pretty transparent. Fixed Comm from PML, yr loan comm, yr insur comm n yr trade-in car ang-bao she receives fm the car dealer etc etc.
ok, out of these monies, she will knock off some for yr discounts n accessories that u bargain for. IMHO, u may as well bargain for a 'rock-bottom' price, get the car stock, n mod yrself. of course, if u ask for accessories from her, she can package into the loan u r takin versus the cash u hav to come out with later if u mod the car.
But I tink the fun of havin a BMW is the modding process. I owned 4 bmws b4 n all of them I mod heavy. Seeing it slowly transform is really the biggest joy I derive......hahah.
Also, go to 18" immediately. Not much loss in power but looks department gains tremendous.
ok, my 2 cents worth n welcome again.