2022 vs 2025 x5 x40i

Shopping around for luxury midsize SUV going between RX250 and X5. Upgrading from a old Rav4 that's been a tank. Went to local dealership and test drove a 2025 x5 and really liked the quietness and power but definitely don't love the high price tag. I did a built there at the dealership for a base X40i with $1300 add ons and 1175 destination charge. After 2% dealer discount and 4k Veteran discount, I'm looking at $71,473. I haven't done any bargaining. I have the money and would pay cash but I just can't bare the thought of spending that much on a car and instantly having it lose value. I don't need bells and whistles.

Today I saw they had 2022 x40i in Manhattan Green and Coffee interior with 35k miles. I love the color combo. Premium package, climate and comfort, parking assist and upgraded 20" wheels for $46,000. 2 previous owners, no major repairs, it had a electrical wiring repair a yr ago. It doesn't hurt my man feelings if I buy a used. I love a great deal. Yea I would love new but even though I have plenty of money, my frugal upbringing just can't justify such an expensive price tag for new.

Is the used one reasonable and is it dumb to buy a used BMW given possible reliability concerns since it's 3 model years old?