Frieght charges are legit. Are they too much? It depends on where you live relative to the production site. They charge the same amount no matter if it's delivered to Southern CA or to Ohio. They just average it out. Car dealers do the same thing. Setup fees are a ripoff...from my understanding HD pays the dealer to do that in the first place. Doc Fees? Some dealers will negotiate that, some won't. It is a standard practice throughout the car/bike industry. Personally, I'm not going to walk out the door over $300 when $35K is on the table. If I was writing a check for it...maybe, 'cause you've got more power in that situation, to some extent, though dealerships would prefer non-cash deals in the majority of cases because they make money off the financing as well. If they are offering you 3.9%, you can just about bet that they are actually getting the loan for 2.9% and pocketing the 1%. So, that's negotiable to some extent as well. HD dealers are a little different in that respect because most of the time the financing is done through the mothership. Otherwise they (especially car dealers) will shop your financing and they'll have 4 or 5 companies they can choose for financing. That's how the finance guys make their money, so they HATE cash deals.