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I don't know about anyone else, but I tend not to drive around with 200lbs of stuff in my trunk.
The F90 carries more weight on its front axle than the F10, full stop. That's why BMW changed the tire stagger. The 54.7%/45.3% distribution is BMW's USA published number, based on curb weight, which includes all fluids in place including petrol (usually 1/2 to full tank). Adding a driver is not likely to change this much as the driver's H-point is about 1/2 way between the axles.
There's more to handling and driving characteristics then weight distribution. Vehicle dynamics are just that - dynamic. I wouldn't worry about a static front weight bias.
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