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Hello from a guy that grew up in Castle Rock.
I've driven all three X7 models in test drives, and can answer your questions, but have not had extended ownership driving yet.
Basically, I have not found any difference in the vehicle handling, between the three models, they all pretty much handle the same and provide the same comfort, based on the suspension options you order with each one. No, the M50i is not a rougher ride. The difference really is in the power, which IMHO the 40i has plenty of, the 50i has excess fun with, and the M50i is just stupid fun extra power.
Yes, the M50i is plenty quiet at driving speeds. You do hear its throaty growl during accelerations as it snaps your neck back, but it's still plenty quiet for cruising.
IMHO the 40i is plenty fine as a car, but if you're ok with the extra purchase and ongoing gas costs with the M50i, sure, why not? There's nothing to regret other than the price. No harsh ride, just the big kick of acceleration.
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