when i was searching, i checked craiglist, and ebay. i found that the bikes were going for less on Ebay, and i got a great deal on a fatboy. before i bought i checked to see what extras were on it, figured out the value of the extras, and then compared it to kelly blue book. i was amazed at how much i saved doing my research. the sad thing for the original owner was how much he had in it, and could not recoup the extras, and the loss he took on the value. my benefit though.
my advice, is check ebay, check the value of extras, and compare.
the dealers are not going to give the value of the extras you add to the bike to customize it the way you want it