You are quite right about the Schwine bike being overpriced. Are you willing to pay 50% off the MSRP when it is now 21 years old? It could have sold for less than the MSRP. One easy way to find the MSRP and what components came on the bike is to look it up on Bikepedia. It doesn't show in 1995 but does show up in 1994 (hence it is already 21 years old) 1994 Schwinn CrossTrail - BikePedia It was a low end entry-level bike store bike in 1994 (judged by the Shimano Tourney/Alivo components used on it. The store is looking for a sucker buyer who doesn't know much about bikes to charge that much. I'd stay far clear of that shop.