BMW consistently has the best financing deals, which suggests that they inflate their prices a couple grand to make up for the interest dollars they give away. But they always offer a good discount for cash deals. The smart thing to do is finance the whole ball of wax with nothing down, or pay cash for the bike up front.
The interest rates are pretty low, so most will go to principle. Just make sure you can pay off the rest of the bike without penalty, and it becomes a very good deal: Have them pay 5 payments on the shortest possible loan term, and then pay the rest of the loan.
The twin spark and new transmission should take care of the two most outstanding discrepansies on BMW's. Then they can get to work on wiring harness melt-downs and clutch failures, ridiculous seat-peg relationships on the R1150R, corporate arrogance and some of the stupidest (stinky guy) adds ever printed.
Then I still wouldn't want one.
All the things Harley has been accused of can be found at your local BMW dealer.
I purchased '03 1150RTA in Feb and was quite happy with the deal. With the five pmts free, 1.9% APR and some extra $'s off, not so bad. The offers change, I do not think my same deal is available. I was wary of the linked ABS brakes but now find them easy to use. Dealer in Beaver Dam, WI is friendly and straight shooter.