Maybe you guys can throw me some info before I start making major moves on buying a new bike.

How much % over cost,do they sell the bike retail at?
So I can have an idea on how low to get the bike down too.

What fees,can be cut to work out a buying price?
Frieght,Prep.. etc etc..

Getting mods with financing?
Is it worth getting mods with financing it or it just bump up the finance rate up where its not needed?
What I have in mind is just a slip on.

Lowering a bike?
I dont need it slammed,with links.I just need it so im flat footed on it whilke sitting on the seat.
Is it safe,and fine to just lowering it with the dampers in the front,and coil set up in the back?

Any info will be appreciated.