I bought several pieces from a dealer decades ago that had a very rational discount policy. If you paid full price you got a 30 day return privilege and full credit if you traded up to more expensive piece of gear. There was a second level of 10% if I remember correctly, and then there was a 20% discount if you essentially wanted no service, no refund, no trade-in, no dealer setup, and you had to pay with cash (no credit card).
The point here is that if getting a discount is really important to you then you can negotiate a service/discount trade off with the dealer if the dealer has a standard service policy (return privilege etc.). If you just want to buy the piece of gear, walk out the door, and never ask the dealer for any kind of service then you should at least get a 10% discount. If you come in with cash or the dealer will accept the check you should be able to get another 2% by avoiding a credit card.
The point here is that if getting a discount is really important to you then you can negotiate a service/discount trade off with the dealer if the dealer has a standard service policy (return privilege etc.). If you just want to buy the piece of gear, walk out the door, and never ask the dealer for any kind of service then you should at least get a 10% discount. If you come in with cash or the dealer will accept the check you should be able to get another 2% by avoiding a credit card.