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I think you need to drive the m550 before making that decision. Also, when comparing costs, the base m550 comes with standard features that are options on lesser G30's. For example, the m-sport is an option on the 540, while I believe it is standard on the m550. I recommend you play around with the configurator at bmwusa.com to make that assessment.
I took delivery of a 540i in June and am very happy with it. With 335hp it is plenty quick. Also seeing 32mpg+ on longer trips. No regrets here for not jumping up to the m550.
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