I agree with @MFillingham . The filter won’t get blocked when not in use, so it’s all down to how many short (cold engine) trips you do between the long (hot engine) trips. Love BMW 3 series, X3s (last gen) and X5s, but with very little included as standard, the price soon rises with option packs, meaning the second hand market doesn’t have many with memory seats, adaptive cruise and to a lesser degree, 360cam. All the things I’m now used to.
X5s have electric front seats with memory as standard, and have done for many years. Same with reversing camera and sensors all round. Personally, I prefer standard cruise control to adaptive, so that would be a positive for me! The advantage of buying used is that most new X5 buyers add a lot of options, so any car I get would have everything I would want, and a lot more, but no CD player 🙄