Thanks for all the replies. I am in DC (Foggy Bottom). I saw another thread yesterday recommending GT Peace so I booked an appointment with them. It's half what the stealership quoted so that seems reasonable.
One more question. My Mini is a 2021 Cooper S with 20k. I've only driven it 3000 miles since I got it (and it's 95% highway miles) too. I am a photographer and mostly use it to go to the places I am taking pictures at. The guy at GT Peace said that they recommend changing the oil every 5000 miles or one year, though Mini clearly (and loudly) recommends a change every 6000 miles or 6 months. So I am due based on the latter. Do you guys follow the Mini recommendations or does the GT Peace recommendation make more sense (in which case I could probably wait another 2-3 months).
BTW, it's not really about the cost but more about what makes the most logical sense.