The car will be beautiful. I'd pass on the x-drive (I had it on the '07 E90 but went RWD on the '09 E90 and '13 F30....just a little more fun in wet and snow), keep the HK and pass on the DHP as it may help get you closer to that $500/mo payment. At 15k/yr I think you're going to be more around $550-$600.
2013 F30 335i | Sportline | Imperial Blue Metallic | Black Dakota | 6-speed | HK | Cold | Premium | 19" Staggered Sports | M-Performance Exhaust
2009 E90 335i
2007 E90 328xi