paying cash only helps sometimes. Some stores knock off the tax for cash others don't. just make sure that if you pay cash you still get a recite.
Your best bet is to call up all the local (within 20-30 miles) lbs and find out prices ont he models you are looking at. Then you tell your lbs the bet the best prices you find. Many times if you buy accessories you can get a discount on that stuff and have them installed for free. you can also try to find some of last years models, most stores are more flexible on those.
Finally if your aren't happy with the price or service don't be afraid to walk away. It is your hard earned money and you shouldn't spend it if you are not comfortable. Just because you test drive a bike doesn't mean yo have to buy it either.