You won’t lose your keys/fob (get a leather fob with an AirTag) and if the OEM fob unit goes bad it likely is a replaced battery or warranty issue.
The PDR makes it a bit more appealing as that is something with tight parking that will come up and be useful, but you can get that for +/- $100 per shot.
As for the rest - Roadside Assist: should get that from BMW for free, and Travel/Rental: should have that for a super cheap rate through your auto insurer.
Please let us know how you like the m50. I have been considering one myself, but just can’t pull the trigger on a switch to all electric yet. I would miss the exhaust note from my Macan GTS…
This is an amazing car! So well built and stupid fast. Genuinely luxurious interior. 2024 model cimes with 2 year free EA charging as well! Only downside is very limited interior space, I have a full size suv so won’t be using it in long journeys.