I am finalizing my F11 525d Touring Sport Aut Business order for 2012.

Which one to take (both not possible): MSport or XDrive?

Cost is about the same given the fact that I have already chosen part of the features belonging to the MSport-package
(e.g. Antrachite head liner, Cinnamon brown / black, Antrachite wood, Titanium Silver etc.). Is the nose of MSport much
lower compared to that of standard version? Any difference in handling? My option list is pretty vast including Dynamic
Damper Control.

My driving is mostly suburban/city driving. Of course roads may be slippery here in Finland from time to time, but I have
managed to drive FWD or RWD without major problems for 25 years now. On the other hand, better grip would be nice to have :)
I have no special need to pull anything nor drive in distant roads, woodland etc.

What do you guys think?

.. if you managed without AWD for 25 years I am pretty sure you will survive without xDrive for a while! Especially since you do not want to disappear in the wilderness with the car... The M-sport package comes with a hefty premium, over here in Sweden it's 53.000 SEK or 5.900 Euros, and you will not be able to get that much back when you one day will sell the car, but it make more sense to opt for the package as a whole instead of choosing almost everything separately as you may have done.