I just bought one three weeks ago and paid 15k out the door from a HD dealer it had 3k miles, stage one and new pipes already installed from prev owner on it and about 14 month factory warranty still left. I check with the bank and the NADA loan value was $15,700. I also compared 2010 and the depreciation was only about $200 between 09 and 10 models. So all in all I got into the bike with equity and should stay in good shape. Shop around and you can find a good deal. I've heard most dealers are very motivated right now GL.