THIS IS IN NO WAY DIRECTED AS A SHOT OR FLAME OF ANYONE...........JUST ME EXPLAINING MY THINKING..
Well, everyone is different. I don't buy stuff over (house, motorcycle, coolant filter, bubble gum, or whatever...) the standard market value. Some folks will. Why? I tend to look through scientific glasses most of the time. I like objective data.... not subjective. If a guy loves his truck and wants to sell it for 15,000 over NADA or Kelly......that's fine. But he won't sell it to me. Why? Objectively...it isn't worth that. If an independent auto appraiser will place a valid price above NADA or Kelly......then you've got an arguement. Otherwise...........a sucker is born everyday and it ain't me.......

Like stated.......who is going to lend thousands above market price, especially in this economy? The house I bought when I moved to Ky, didn't appraise for the agreed price............therefore, I didn't pay a cent above appraisal. In my mind....(I can see the jokes coming already).....it's the same for trucks, boats, goats, floats, coats...or what have you.
OH Yeah, I want to repower a CC F350 with a DT466, so I'm not as interested in low mileage as whatnot as I will be "frame-offing" the thing anyway.
Heath