I didn't get Navigation because it was out of my budget. It's my first BMW (and car purchase) so I was conservative with options and got what I think I really needed/wanted.
I figure a few years from if I like the car/brand and something new comes out I can trade my car in and recover some of the money I put in buying it, and not have to worry about a big out-of-pocket down payment again. I can get more options then. I'd probably get the built-in navigation next time for sure, it looks great IMO in the car.
For now I'll keep using my Garmin C300-series GPS