Just got a 335i a few months ago.
I was looking for one with Nav.
Needless to say I couldn't find one with everything else.
My car is only missing two option CA and Nav.
I have bluetooth and media/iPod integration.
My phone has better Nav than the BMW stuff.
CA didn't buy me anything except keeping the key in my pocket.
If you can find a car with Nav get it. If you can't and find a car with Nav and everything else, buy it. Not having Nav will not kill you.