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When I bought my E90 M3 used in 2011, I was a little concerned about potential repair costs, so I paid more for a CPO. Never had to use the warranty for any repair. And during those 3 years, the car was reliable, but I learned about potential rod bearing issues. So when the warranty ran out in 2014, I changed the rod bearings myself for about $500. If something is stressing you, fix or change if possible.
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