In my experience, there can be a vast difference between shops. Call around.
In one local shop (Zion Cyclery) they're very friendly. When I bought my Simple City, they threw in a few accessories that were less than $5. All other accessories, they marked down by 10%. Then, they installed the accessories right in front of me. They also spent an hour talking to me before the purchase. Their price was just a bit below retail, but I feel like I did really well. It was completely worth the 40 minute drive out there.
In another local shop, (George Garner in Libertyville) that is in a richer neighborhood, they charged full retail, but marked down accessories by 10%. They threw in the first cage, but would not throw in a second one or anything else. They were not as friendly, but still pretty helpful. Just not as good of an experience. I'll go back for my "free adjustment" in a couple more weeks, but that's all the business they're getting from me.
In my most local shop (B & G Cyclery in Round Lake Beach) they don't really have anything but Trek and the woman who is usually behind the counter is abrupt, arrogant, and completly unwilling to budge on prices of used bikes. The guy who owns the shop is her husband, I think. He is super-nice, super helpful, and a good mechanic too. So I'm torn here. They don't have a lot that I want, their prices are high, and the main clerk is a *****. I wish the owner would get her in line so I could shop there more often. I wanted to buy a 9 year old used recumbent from them. It was in good shape overall, just needed a tune-up. They were asking $350 for it. I looked on ebay, and the same model was going for $300 pretty consistently. I asked to have it for $300 out the door, and the woman got really mean. "NO! We already marked it down from $600, and they are $800 new, we're not marking it down any more." (I checked, the company, Bike E is out of business) I walked away shaking my head. Recumbents don't exactly fly off the shelves around here, much less used ones from out-of-business companies.