I financed, and it was a custom build. The last 2023 build slots were slow to fill up, so I ended up paying about $800 under MSRP (including mandatory adds), which is both the most markup I've ever paid for a car and an excellent deal by 2020s standards.
If you're considering a BMW, you have to accept that you're not going to get anything close to the value for money that Mazda offers.
In my case, BMW offered something unique (the B58/ZF8 is probably one of the very best pairings in the market), combined with a cabin layout and emphasis on physical controls that is very intuitive to a Mazda fan. And (for a German car), good fuel economy and expected reliability.
Is my X3 M40i worth nearly 3x what I paid for my fully-loaded Mazda3 Sport AWD? Absolutely not.
But money wasn't a major consideration, and it was the only vehicle in the segment that I enjoyed driving almost as much as my Mazdas, an area where even the Porsche Macan disappointed.
If I were more price-sensitive... that's a tough one. If you have access to a decent Genesis dealer (assuming such a thing exists), the GV-70 is worth a look. Otherwise... as disappointed as I am in the CX-70, it might actually be the best bet. Everything else is disappointing for its own reasons.