Anyone who thinks the e46 XI is "Too complicated" shouldn't be giving car advice.
The XI adds a super simple transfer case and front diff. That is all. Everything is open and the DSC manages traction control in rain and snow. Not much to go wrong mechanically.
Its the little dumb **** that gets expensive on these cars. Foggy headlight covers are 150 bucks to replace. The Final stage resistor in the glovebox goes bad and makes the heater blower act weird sometimes. $50-80. If you can find a nice example thats been WELL maintained they are bulletproof.