2005 X3 3.0 engine, Premium package, Xenon, Sirius prep.,Premium Sound, PowerMirror, Privacy Glass. $750 over cost. Total is $38,245. Lease 12k/36mo. tax (N.Y) in payments 8.625% security deposit $ 550 ,bank fee$900,first payment515.64 total $2131.77 upfront 515.64/mo MOney factor .00210 Could anyone tell me if this is good.