Dealers will push for add-ons whether you’re buying off the lot or not. Just remember how to say “no” and you’re good.
As far as wait times, you can expect about 4-7 weeks wait time for a new X5 depending on where you are in relation to Spartanburg, SC. If you’re indecisive like me, there’s a period between the order being submitted and the vehicle getting its production number where you can make changes to your order. I did that when ordering my 45e earlier this year.
I would encourage you to pick the wheels you like the best regardless of the tire it comes with. IIRC, the larger rims are only about $600 option from the factory but come with performance tires, so if you’re in a climate that gets rain & snow, you’ll have to swap in some all-seasons/winters. However, it will still end up being cheaper than buying an entirely new set of rims & tires down the road, and you can sell the performance tires as new.
Other than that, the Harman Kardon audio is 100% worth it. Happy shopping!
My X5 was like that from the factory. Totally normal.