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Here is my experience. My iphone charges and has full functionality with bmw apps with just the iphone cable. I bought the cradle because my dealer said I "had" to have it. What a waste of money (glad I bought it on ebay not for the dealers ridiculous price) The cable does not make a difference. It is supposed to add use of the roof antenna but I can not tell a difference. The only thing I notice is I must remove my cover or not use a cover at all to put the iphone in the cradle. No thanks! I will just use the cable.
In regards to should you get apps, I say absolutely if you are loading the car up. I think it is great. Much easier and safer to control than looking down at your phone.
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