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first of all, i would suggest you wait until after the baby is born and see how you do with your current car. you really don't need a huge SUV to haul around one child. especially in europe. imagine trying to park that monster in a city. After you get used to the new addition and the m3 doesn't seem adequate then start looking at options. (I would personally recommend a lightly used 09+ E90 M3 sedan)
if you don't think you can afford a $90K M truck along with prodigious amount of fuel and high insurance (X5 is one of the most stolen vehicles in germany) then I think you should forget it. the dealer would of course want you to buy the most expensive car possible. have to keep in mind kids are very expensive and they keep getting more expensive as they grow.
good luck with your decision and congratulations on the baby.
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"It gave you amazing satisfaction, but anyone who says he loved it is either a liar or he wasn't going fast enough." - Jackie Stewart on racing at the Nurburgring
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