My car has about 130,000 miles and the car looks brand new..... The original paint is 11 years old but has no "spyder webs" and is smoother then most new cars.
My interior also has new seats so it LOOKS perfect but its not..... A car is not just made up of the clutch, brakes, and shocks.... which can be easily replaced......
There are soooooo many parts that normal wear and tear will get to and theirs nothing you can do about it. BMW will last forever, and im sure the car you speak of MAY run fine.... but with that many miles next week your driving and the engine blows or the a major electrical problem occours.....
If the problem is about money save up for another month and you can find the same car with 100,000 miles less...