Well things get weirder. Got an e-mail yesterday from Geico saying that my vehicle was a total loss, and they sent a vehicle value report. It was an appraisal comparing my car to similar models and a value of about $46k. Appraisal looked fine to me except it showed a 6 speed when I have dct, and did not appear to include EDC, HD Radio, Carbon Leather, Individual Audio or BMW Assist (about $7,600 in options).
When I called the adjuster, he said to ignore the e-mail, they make their own decision and he seemed annoyed about the e-mail. I also told him about the options that were not listed, he asked for the window sticker, which I don't have. I did send him a printout from this website: http://www.rubmw.ru/vincode/eng/
I am debating whether to go cheap now and wait on the new M3 (either a 135i, 335i or G37s 08-09), or buy an M3 (08-09) or an Audi S5.
Maybe this saga will end sometime next week....