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Residuals are pretty high right now... I suspect they will go down, but it is anyone's guess. BMW supports sales with these numbers as much as they try to align the values with what they believe the car will be worth. Best time to buy is end of year. Everyone (BMW, MB, Audi) is trying to squeeze as many units as possible, so you can almost count on high residuals, low interest and an incentive.
Xdrive won't help much if your tires are made for the summer... rear wheel drive and snow tires is better in the snow than all wheel drive and summer tires.
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