Welcome to this great site from Minnesota! You have come to the right place for advice and support.
After 26 years in sales, I have never believed in paying retail, especially in a down economy. My suggestion is to get your financing arranged before going in to the dealer so you are talking about a cash deal. Do some serious shopping at other dealers in other states beforehand so you know what your cash could get you elsewhere. For a purchase like this, the dealer should treat you special. If he didn't, I would find another dealer or talk to the management.
I saw 6 CVO's at St. Paul HD on Monday and about 100 other bikes looking for buyers. The man with the cash should be in the drivers seat. If you don't like to negotiate, find a friend who does and let them speak for you. Don't grind the dealer into the ground but be aware it is a buyers market and is getting more so each and every day. Look at all the SE bikes on ebay, use them to negotiate if you need to. Unless you are looking to buy the most desirable bike in the most desirable color, you shouldn't have to pay near MSRP.
Just my $.02.