Here in California it's depending on where you live. So I always negotiate the SALE price because I know already what tax, tile, license, admin fees, and possibly setup. California has a nice DMV fee calculator and I show them that when they ask, "WherE DId YOu GEt tHAt nuMbER???"
Setup fees are added to the sale price and II usually tell them to remove the extra cost if they dont want to budge 1000 or 800 it's their loss. Especially when you are dealing with such a big purchase. If I pay MSRP OTD that is about 3000 off. Taxes for me is about 7.25% that's 2030 in taxes in itself for 28k plus add 430 in registration, 85 doc fee, 10 tire fee, 33 dmv electronic fee. About 2600 with taxes in fees if the sale price is 28k. That's 30600 OTD.
So they would have to knock off about 3000 to get to where I would pay 28k OTD. The dreaded part is facing with the finance guy to close the deal. That's where you can decide to leave since nothing has been signed.
Ive also learned that you can use your CC to pay whatever max limit the dealer would allow if they allow it as down payment. I dont mind paying the 3% fee as it will be included into my points/rewards. It's the cost of doing business
Also extras like extended warranties, tire and wheel, prepaid service SHOULD be paid separately and never financed. Use a credit card if you have the money to pay that off within the next billing statement. Never finance extras. Those should be kept as separate transactions.
If HD has good financing go with that if not go with your bank. But get that done first before stepping into the dealer.
But always refuse for them to take your credit inquiry if you already have a bank check. And tell them that you already applied for financing through their website. They should have your name on file. But personally I would rather finance with my bank. Even if their financing is good or better they will always try to tire you out.
If you are serious about buying a bike bring the money. If you want to kick tires and test ride, that's fine, but keep in mind, after the test ride they will want you to buy the bike. They will always say, "What is keeping you from buying the bike today?" I tell them "well, I came here specifically for a test ride and you told me that there is no obligation to buy."
I always question why do you need to take my credit info if I already have a bank check right here. Wave it at their face because I believe that they dont beleive you have cash in hand and they always want to finance. If for some reason they want to argue, then walk. All they need is your drivers license information for tax and registration purposes.
Buying experience is always different from dealer to dealer. I like to be as hands off as possible when making the transaction. I usually call and find a sales guy, go to the dealer and find said sales guy, do a test ride, think about it. If I want to buy, I call the sales guy to setup a time to buy which is usually during the week since the Fridays and the weekend is the worse day to buy a bike. Schedule at least 4 hours to make the purchase. Buy discounted parts, and then leave.