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this warning simply means that a fault of some kind has been sensed by the vehicle's computer. This warning is not specific and is not intended to aid in trouble shooting, only too inform the driver a fault is present. In order to verify the underlying fault that is triggering the warning, you will need to have the computer scanned with a BMW scan tool to read out the fault codes from the computer. Yes you should worry as this indicates a fault is present. The most common cause on your model is a fuel pump or injector issue but the faults need to be read to verify.
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the engine is part of the drive train - the fuel pump and injectors are part of the engine and thus part of the drive train as well. if you continue to drive with this warning, yes it could begin to run poorly. It is strongly advised to have this rectified immediately - nothing good will come of delaying, that is for certain. A drive train malfunction is not something loose, it is simply an indication that an engine fault has been sensed.
driver warnings are unfortunately not specific and require a scan to verify the underlying cause, typically at cost to the owner - this is part of the cost of ownership as the cars are only designed for this type of diagnosis.
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