If that is the case, we are missing a lot of details. There isn’t enough data here (yet) to make any decisions. You have several things going on here, you need to separate them.
Tells us how upside-down you may/may not be in the X5 now.
You have to sort out whether you would replace this x5 with a lease or not based on your mileage. You told us mileage rate and what’s included in the lease, not how many miles you currently have, or are driving annually, or are projected to go over.
If you are going to keep it
If you didn’t order it and took the March 2020 program without MSDs, your MF was 0.00142. If you are keeping this thing, can you find a car loan under 3.4%? If so, you could avoid some of that rent charge by buying it out asap.
I would consider a buyout (if possible) that gets the car CPO’ed, because there is no reality where I would have a loan on an X5 out of warranty.
If you decide to replace it, and you got a good deal on this X5, it’s unlikely you can reproduce that deal now. If that’s the route you want to go, I’d like up the new deal before unloading the X5.