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I did the latter. Mine came with 20" wheels (245/40R20 Front and 275/35 R20 Rear) with summer performance tires. Instead of different tires, I just bought a set of 19" wheels for the winter, and I'm running 245/40R19's on all four corners. I found the wheels on Facebook from someone who bought a new 7-series and wanted 20" wheels year round. They have Pirelli Cinturato P7's with no more than 500 miles on them. I expect several winters from them.
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