Unless there is a loan involved, I really don't see the difference as long as they tell you thats is what they are doing.
After all, isn't paying $18,500 for a bike and nothing for accessories the same as $18,000 for a bike and $500 for accessories?
Total sales tax should end up the same. And unless there is an extra excise tax or registration/title fee based on the cost of the bike...
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