As a previous Chicago resident for over 40 years and having many RWD BMW's in that climate, the most important thing was snow tires during "the season". You can walk thru most of it with Blizzaks in RWD set ups.
X drive is not a necessary option, I remember having the Mitsubishi GSX Turbo back in the day (AWD) and the all seasons were awful in the bad snow..It also saves on your performance tires and wheels to store them for 4 months...
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F30 AW '13//Sportline//HK//Lighting Package//Technology Package//Sport Transmission
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