For the most part, I agree with you. But, it is more than nickels and dimes (which I know you meant figuratively).
The bike takes about 4 quarts of oil for an oil change. My dealer gets over $18.00 per L for the BMW labelled Castrol oil; I can't recall the exact price he charges.
Call it $18 X 4 = $72.00.
I can have a box of 6 1qt bottles of Castrol 06410 Power RS 5W-40 sent to my house for $43.14 including shipping, which equals $7.19 per Qt or $28.76 per oil change, a savings of $43.44 which is enough to buy another 6 quarts of oil.
Can anyone find the BMW reference to the exact oil they are specifying? I think what I listed above is it, but am not 100% certain.
The local dealer here charges only $4 dollars approx above the Castrol. I see your point and can appreciate the dilemma with those savings at stake. Quite impressive savings too. And especially when it is the product that is rumored to be in the BMW labeled bottle too. I just feel it is easier to convince a dealer/BMW to help out if they recognize the oil and specs and the filter is quality too. Not a judgement it is a decision for the owner alone to make as they will be the ones who are involved in the discussion.