Extraslow -- yes that is pretty rare, but I've seen it happen because we have a client who is hot or know that it will sell super well. :-) That's wicked for you!!! you're one of the 1% in the trade in scenario --- most people don't get their value in a trade because of how they roll negative equity into each deal over years. Sadly they confuse value of the car for their loan buyout --- two separate things. But it's nice to hear someone getting a value they like! (I will never have that happen, I'm 60-75k annually so until high mileage vehicles are in...).
Also for your other comment - the loan insurance and extended warranty and pro packs I believe they have a legal or legal-ish responsibility to present in full even if you're declining it - then there's no liability issues after with the client saying "I wasn't told about that" which is also why you have to initial the decline and that it was offered on the BOS at most competent dealerships.
PS - if anyone with a BMW is debating the extended warranty --- HIGHLY recommend it, worth every penny. I've had amazing results with BMW warranty and them going the extra mile. I took it because I drive so much and wear out the stock warranty in 1-2 years on pretty much all rides out there.
MK7 Golf SportWagen 4Motion