I've seen a 2011 or so 3 series in with a locked up engine at less than 140 miles, another 2012 year model 3 series with low oil pressure warning and now this X5 with under 100k miles. There are no low oil pressure warnings/indications other than the degradation of the intake cam. This is pic of cam lobes for #6 cylinder. The other cam lobes look good.

I suspect running to recommended oil change interval using wrong oil (I did see a little sludge) is causing it but the one that came in with the locked up engine was supposedly maintained by the book. Maybe oil pump system design missed the mark? There is something going on with the oiling systems on these cars.

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Jim