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I'd consider selling the truck yourself, or at the very least, sell to a dealer at a later time so that they can't play the math games with trade in value/ cost of the BMW, and financing.
I'd also give a test drive of an X1 with the sport seats before you buy just to see if it makes a difference to you. I drove a stock X1 and then one with sport seats and it was an eye opener to me. Really sold me on the car.
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