Hmm, they went up about £800 just after I bought mine. What spec do you want? I'll see what you don't need.
I got Pro Nav & heated seats, the free audio upgrade was on offer and I'm happy with its quality. Buying now, I'd spend the extra for HK.
As Harris said, it's a car best appreciated at its bare bones spec. I could have lived without the Nav, but the extra it added in GFV and with discount meant it only really cost me £700.
EDIT - just seen.
You don't need either pack and the internet is rubbish, slow and clunky through iDrive inputs. Use your phone if you need the 'net. BMW app also lets you send stuff to the car, such as destinations for the Nav.
I reckon the interest would be negotiable too, push for the 4.9%.
HTH