I'm biased but I say go for the '15 M5. The m550i should be a nice car but not only is it a first year car (w/ potential first year issues) it's also not a true ///M.
Also, if you decide on the F10 M5 continue to shop around (nationwide if you can). You'll be surprised at the resale markets on that car.
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2021 M5 Competition Marina Bay Blue/ Individual Tartufo/ Individual Piano Black Trim. Took delivery 11/27/2020
2017 X5 ///M Silverstone/ Mugello Red/ Carbon Fiber Trim Turned in 11/27/2020
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