Chef,
A P275/45R20 has a nominal rim width (also called measuring rim) of 9" with an allowable range 8 1/2 to 10.
So 10.5 would be "stretching".
Can you actually get it to work? Probably.
Is it a good idea? If you want the tire to do anything other than look good - No!
"Stretching" a tire (mounting a tire on a rim wider than the allowable range) effectively takes the sidewall out of the equation. That means the tire stifness will be incredible. It will corner instantaneously, but the tire will have the cusioning qualities of an anvil.
Not to mention wear.
But Chef!!!!
My book says BMW X5's have 10" rims on the front and 11" on the rear with the tire sizes 275/40R20 and 315/35R20.
A 275/45R20 will fit on the 10", but there is more to this than just being able to get a tire to mount on the rim.
1) Load carrying capacity. One of the necessary functions of a tire is to carry the load of the vehicle. Needless to say a car's weight isn't evenly distributed front to rear nor side to side.
A basic principle in engineering is that oversizing something is safer. (a better way to put would be underutilize).
In this case, BMW selected tires with 106 and 110 Load Index.
- and you should, too!
BTW, both of these are Extra Load tires.
The 275/45R20's I have looked up come in 106 (SL) and 110 (XL)
2) The physical dimensions of a tire aren't regulated. That means that tires of the same size from different manufacturers may have quite different diameters and widths. This makes changing tire sizes somewhat problematical.
Plus the physical space available in the fenderwells is something that has to be measured. It may look like there is plenty of space, but remember, the worst case is when the suspension is fully compressed and the steering wheel is fully turned. It is amazing how tight the space becomes when the steering wheel is fully turned. (Not to mention how much the tire distorts under cornering forces.)
Anyway!!!
I'm not sure what you are trying to accomplish, but I have a feeling you are headed into an area where there are landmines.