So here is a good one. 

I bought a used 2011 BMW x5 8speed automatic with all the Fixin's. I right away had the oil filter housing fixed by a buddy that is a certified 15yr BMW tech. He subsequently did other repairs after the fact over the next 6 months or so. He stopped because he had left the state and moved down south. SO I was on the hunt for a new mechanic. I started going to a local shop that was not a specialist. One day about a year and a half into owning the car I was driving on the highway and my car started to stall and the message on the screen said engine malfunction. Luckily the exit I was nearest to had a Midas right off the exit so I managed to get the car to it and asked the gentleman inside, who was working on a 330 BMW at the time, what could possibly be the issue. He looked at it and told me the serpentine belt was sucked up into the motor. I then had it towed back to my new local non-specialist shop and all they did was replace the belt and get out what they could at the time without taking off the oil pan. I then drove it all the way to NYC from Boston and while I was there had another stall out. Luckily, there was an auto zone right around the corner from where this happened and I had them scan the car so I can call my buddy that had moved down south. HE couldn't give me a proper diagnosis. That is when I gave in and went to a BMW specialist. I brought it in there he went through the whole car and it came to a whopping $5500. They removed the oil pan and all the shards they could find and even messed something up when putting the engine back together, so they had the car sent somewhere to remove all the existing carbon in the motor. The specialist informed me that "the motor runs great and is strong" there are a couple of small things left to fix but besides that, it is in great shape. 

fast forward to 2020...

I had spent this year, even when I did not have it, about 6k on the car. I brought it in a few weeks ago in December for an oil change and the tires that I had been saving up for. I left the vehicle with him and he told me that he plugged the car in and they got a low oil pressure reading that is specific to replacing the oil pump, which he informed me was a $3k job since they have to take the bottom of the car apart to get to the piece. After a week of contemplating putting MORE money into the vehicle, I gave him the go ahead. A few days go by and he sends me images and an email stating that they found metal shards in the oil pan and that means the motor is compromised. He explained to me that the issue is some type of rubbing coming from the top of the engine since there was nothing wrong with the bottom. 

My questions are...

1. When I explained this situation to my Beemer Tech who moved down south he asked me why didn't he replace the oil pump while he was under the car in the first place. Is this standard procedure? If he didn't would that mean he is at fault for this new motor issue? 

2. How does this type of issue happen in the first place? 

3. Do you think I am getting played or is this a known issue with these cars if the proper repair procedure is not followed? 

The only reason I am asking this is that My only two options were to try and go through my car insurance to see if I have some sort of case. which will leave me with a possible long-winded transaction and a $2000 repair bill for taking the bottom of the car apart, just to find out that, that was not the issue in the first place. Or to have him put it back together and trade it towards a new vehicle, which will also leave me with a 2k repair bill from him. I recently reached out to him asking for suggestions to move forward and he introduced a 3rd option of buying the car for what I owe on it and call it a day. Either way, I have decided to move on from the X5 and towards a Lexus RX or something similar in reliability and quietness, which is what I fell in love with on the X5 the most. I am just trying to figure out and settle on an acceptable mileage to shoot for. 

I have attached a dropbox folder with pictures, emails, and the scan codes if you wanted to check it out. 

PETES 2011 BMW DOCS

Thank you and I look forward to your reply, 

Pete