If you're looking at the X3 M40i compared to an X5 that was a loaner, I'd say the X3, which is a fantastic car. If it's an X3 30i, it's still good, but will depend on whether it has everything you want options-wise. If they have comparable X5's that weren't loaners, of you're comparing an older X5 to the X3 30i, it'll depend on which one has what you're looking for in terms of options, performance, tech, etc.
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2019 X3 M40i Alpine White
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