I wouldnt go as far as saying replacing a panel would be the cheap solution because they can get $$$$$$$$$. Check with any apolstry shop and they should be able to fix you up. My GF's 325IS just had the headliner redone for $150 and her door panel the material was coming up a little and they removed it stretched it and reglued it back done just as it was from the factory.
1995 325I Convertible
2002 Corvette Z06
1969 SS 396 Camaro
in terms of technical difficulty, i rank upholstery in the same category as tinting windows. technically not difficult, just a major pain in the ass. i'd rather replace an entire cooling system than do upholstery or tint.
if you even have doubts about it, just take it to a pro and get it done right the first time.
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