Paying in cash (or cheque/debit card or equivalent) is no problem. I've never tried to ask them to lower the price, and I am certainly looking at basic accessories. The LBS I am considering has a coupon for some basic additions (bicycle computer, rear seat bag, front and rear light) for free if you buy a bicycle, kickstand, water bottle and cage. Well, I need all four of those things, so that's good. But how much I can negotiate the price down from there? Right now prices are pretty much identical across the LBSes: $1,050 for the Allez Elite.
I have found a 2007 for $799, but I don't see anything else past that which is more than $20 off.