Paul,
I agree with 99% of what you say. All except the part about dealers trying to rip you off. I do not look at higher prices as a Rip Off. Dealers do what they have to, I do what I have to do. What I have to do, is look elsewhere to get what I want at the price I want to pay or trade.

In my opinion you can only be ripped off, if, you do not shop around. If you agree to a price, you are not being ripped off.