I wouldn't brother with x-drive where you live as winter isn't that hard. Just don't cheap out on snow tires. X-drive is useful when you have to deal with snow many days a year. In my case I went with x-drive as I have to park on the street in narrow space fill with snow. So I'm saving time and also my back by shoveling much less.
You know you need x-drive when you find your car like this many time during winter
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