Thinking of trading my X5

I’ve had my 2020 X5 for almost 5 years. Bought it used with 6000 miles during Covid. It’s been a great car and I’ve kept up on the maintenance so it’s in good shape. 65000 miles.

I’m thinking about trading it in because I’m entering into early retirement and don’t want unforeseen big bills for repairs and maintenance. Am I overly paranoid about the bills coming in the next 3-4 years?