Every available option is “fully loaded” – not loaded. Vehicles are usually described as loaded, nicely loaded and fully loaded. I would describe this X5 as “VERY nicely loaded.” The base MSRP for this X5 is just under $62K, so this $77K price is $15K over the base price, and $13K below the fully loaded price of $90K. A $2K difference is negligible and not really worth noting.
Good luck, philly.