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I think you'll be alright based on what you are saying. Sirius is tinny and weak, so no loss there. Comfort Access is cool IF you like that sort of thing. It is my understanding that regardless of package you can still start the car without inserting the key (based on the F10 and F30's that I have driven without CA). Power tailgate is another semi-cool feature but I have gotten impatient with mine a few times because it moves sooo slooow.
You'll likely also miss out on power folding mirrors, but again - if this isn't important to you then no big loss at all.
The important part is that you'll be immensely happier with the N55 than you would with the N20 (I have driven tuned versions of both). The N20 is really not a bad motor at all - but you can tell it has limitations. I guess 550 guys would say the same about 535's. There is a lot of progress being made with a bigger, better tunes for the N55 so it is a matter of time before we really see what this engine is capable of.
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