You might ask for a discount on accessories at time of purchase. Most bike shops will understand that when they total up the cost of the bike, and then you and they start to put together a list of all the accessories you're going to want, that the total cost will add up (pump, tool kit, water bottles, seat bag, maybe some clothes).....see if you can get 20% off any accessories you buy at the time of purchase...or for the first 30 days or something.