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I don't own an X1, but I did have one as a loaner for a week and I absolutely loved it, you are getting a great car.
I, like you, would absolutely have to have the Tech Package, my next must have is the sports seat though which you didn't mention. This probably won't fit in your budget, but imo, this is a must have.
I would skip the Harmon Kardon. My loaner had the standard stereo and it seemed perfectly adequate. Better than the standard stereo in the 1er and at least comparable to the 3er, if not slightly better.
I'm probably not helping much, but I thought I’d share. And again, I love the X1!!!
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