Loaners most definitely aren't the cars to "check out". They're usually bare and only have the essential options for the region, such as iPod/aux and heated seats if in a cold climate in the winter.
I got lucky once and got a pretty fully loaded X1. It was Alpine White on Oyster, and had some extra packages including Premium Package, navigation, and some kind of X package. Getting a fully loaded one is a rarity around here though.