Well, what options to choose will vary greatly according to each one's requirements.
When planning for mine I made 3 configurations:
1) the absolutely "must have" options
2) the "would like to have and useful" options
3) the "would like to have but not really needed" options
Everyone will have their own options for each of these categories.
For me, I considered leather sports, auto gearbox, panoramic roof, and 18" wheels "must have".
Then I added the bixenon adaptive lighting, parking sensors, etc. as "nice and useful"...
And for the 3rd part I put the rear camera, electric seats (as I'll be the only driver I won't be needing it much and can live without it), etc.
Then I evaluated all the options, and depending on your budget you can consider getting all the "1" options, probably most of the "2" options, and perhaps even some of the "3".
It indeed gets expensive, but it's kind of hard to buy a BMW X1 and then have less features than one gets when buying a car costing half as much (or even less).