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What are your goals in life?
If I was in that position, I would probably end up dumping the X3 for something that is cheaper to maintain and repair. This would free up more money that I would put towards gaining more financial prosperity. The continued savings/investing will pay off as it will open up a couple new doors when your M3 lease is up.
The x3 itself is pretty inexpensive @ 11k, but you have already spent 20% of the car's value in a repair. At which point do you feel all in?
However, my bias comes from one that sacrifices in hopes to achieve more in the future.
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