The N52 engines have an electric water pump which usually just stops working, so the car overheats in about a mile with no prior warning - well that's what both mine did.
My first E86 needed a new one at 9 years old and 60K miles, but my second seemed to be on the original at 12 years old and 90K miles.
My E91 needed one after 12 years and 135,000 miles, although it may have been its second one! My current E90 may have had one before but I don't know. I just keep my RAC cover in force.
But if you want to avoid the hassle of it dying swapping it as a preventative measure would make sense - quite a few people do. Mt E86 one died on a cold December night on an unlit NSL dual-carriageway so there was no way I was stopping on that! I babied it a few miles home but it did go into limp mode.
Don't buy from BMW as they charge over £500 for them, whereas you can get the same Pierburg pump elsewhere for about half that price. It should come with new bolts because they are single-use aluminium ones.