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Got an M850i as a loaner for a week. HATED it. Motor is wonderful, interior is claustrophobic and ridiculous for a car that size. Definitely a GT car focused on luxury.
It is a german Camaro.
Regarding your question, for me X5M, M5 or M340i in that order and depending on what you want from it. Used M5's are the best deals right now IMO, but not sure why you are worried about your rate lock expiring. Much less expensive to get what you want even if rates move slightly higher vs buying something and selling it quickly because it isn't what you want. Ask me how I know.
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