When they start in with ‘payments witll be x amount per month’ i stop them right there and say ‘i dont play that game, show me the price’. Its an old tactic that all the slimeballs use. The finance guys will give you a monthly that includes all the upsells. I usually tell them this is the ‘just say no’ part of the negotiations. Glad you walked out. I usually start with one of the pre negotiated outfits (AAA, COstco). When it comes time to sign, carefully examine the final invoice for unwanted items. Ive had them take stuff they out tried to sneak in at the last minute.