"FWIW when I was looking for my 05 I called most all dealers in the bay area and many on the I5 / CA99 corridor from Stockton to Fresno asking for OTD pricing only. The way I put it to them was that I didn't care what the charge was, freight, price, T&L or whatever. I wanted to know exactly how much I was gonna write the check for when I picked it up. Mallots Honda Yamaha in Manteca was the low bidder by about $400."
+1 on Mallots. Almost identical experience on my '05. Looked around Sacto area, was quoted 14.5K OTD for a non-ABS. Picked up the '05 ABS at Mallots for 14K even. I actually got the salesman's bike since it was already built, but not yet ridden - fortunately, they had received another one in the crate the day I showed up, so he was willing to wait for that one to be put together. Very professional staff, bike was well put together, great attitude from everybody there - the salesman's explanation was (paraphrased), "We're in this business for the long run, we want your repeat business, so we won't take advantage." I must add a caveat - Roseville Cycle did not have one on the floor at the time I was looking, but I've been treated so well by their service department, I will look there first when it comes time for my next bike purchase.