I think a lot of people like to quote their retail prices but yet get perturbed when others say their bike is "worth" more than the deal they got for it. My only contention is that if I get a good deal on a bike and it is stolen or lost, could I get a replacement for the same price?
With insurance riders, you can have a bike that you paid $5k but may cost $8k to replace if you cannot duplicate the original sale price.

But I agree that anyone that pays retail of $9k for a bike is an idiot. Umd's Specialized is a nice rig, but $9k would be rdiculous to pay for that. I can get a custom Parlee tricked out for that price.