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I’d insure the car from Geico which includes mechanical break down. Insurance or as we call it an extended warranty for 7 years/100,000 miles. Very inexpensive. After 4 years the depreciation levels off. At that point I would unload the car if it’s problematic or keep it until it does become problematic. But I agree 100% with the depreciation issue. As phenomenal as this car is and it truly is, they depreciate unbelievably! Just enjoy it while you have it and try not to think about it. If you go with BMW’s warranty on this car, I was told it’s $15k for three more years.
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