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I'd say $3500 cash is a good deal if it's got accessories. Tax and Shipping no longer play into the bike's over all price. Plus, break-in miles are pretty much over, and you can just ride it. If it's stock, I'd throw $3k at him and see what he says.
The only downside, is the lack of transferrable warranty. CSC will warrant some stuff, up to a year, but not as if you were the original purchaser.
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