Another vote for complete. The LHT has some very decent components on it. Ride 'em till they break.... (Which, as far as I can tell, will be awhile)
As to haggling with your LBS, most can't sell the bike for less than retail. Surly won't allow it as far as I know. You could buy last year's model at a break though....maybe. They will, however, work with you on parts and accessories as already mentioned above. Mine gave me 15% off everything else that I bought at the time, so I took advantage and managed some good savings on surly racks, ortlieb panniers, fenders, etc.....