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Service loaner with 3k miles? New order 2018s can be had for 10% off at some dealers with very little negotiation. I would expect an extra 5% off at least for this being a loaner and a 2017 or $46k prior to your USAA discount.
If you're planning to finance, I would try to have them sell it as a 7/75 CPO Elite car which gives you 0.9% financing as well as longer warranty. Of course you loose out on your USAA discount if you do that.
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Current: 2019 640i GT, 2019 MX-5 GT-S, 2015 X1 xDrive35i
Gone, but not forgotten: 2017 m240i, 2016 GTI PP, 2013 Camaro SS, 2009 G8 GXP, 2008 G8 GT, 2007 335i, 2003 530i
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