Hi all, total noob obviously. I'm mid-20s, soon to be purchasing a low-end bike, likely mountain bike for casual riding, mostly but perhaps not entirely pavement. I am anticipating getting a Hardrock, Rockhopper, or an equivalent Trek (recommendations welcome of course). The Specialized websites gives MSRPs but I was wondering what I might actually expect to pay in a bike shop. The Hardrock Sport lists for $350 and the Rockhopper for $500. I'd like to know what these bikes will actually go for in a store, and in addition, is there a general rule for determining retail price based on MSRP (I know, I know--aside from walking into a store)?