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You don't need the y cable.
Post Sept 2011 build BMWs are quite capable of running on the Apple cable. In fact, you don't get the album artwork on the iDrive display through the y cable but you do through the Apple cable. I know because I bought one and returned it.
You will not get the benefit of the car's antenna if you don't get the snap-in (I'm perfectly happy with the performance of the phone without it , though)
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