You're overthinking it. SRM is a few sensors and an ecu that tell the car to rev the motor a bit when you shift. A failure of the SRM will not grenade your transmission, which is very robust.
What you should be concerned about is the clutch hydraulics system, which is fragile and fails without warning.
Also, if you're concerned about overly complex cars being unreliable, why are you considering a used BMW?
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2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent
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