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I've owned both. A 2018 M550i and a 2020 X3MC. The M550 was nice, but needed a tune to really bring it to life. I had the Dinan tune on it and it was a blast to drive. I also had the AC Schnitzer exhaust. Without those add ons, it was just...ok.
The X3MC with zero mods is faster and feels way faster. It also handles so much better than the m550i, much more like a sports car. The ride is more harsh, but that's what you get with a sports tuned suspension and it's exactly what I wanted. If I wanted a plush ride, I wouldn't get an M car.
Hope this helps.
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