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Does it really matter what "fees" they charge? Total price of truck = total price of truck. Is it too high or too low? Don't pay more than you're comfortable with. If they want to call a piece of the price a RAG fee or a TOWEL fee, let them.
I will literally ask them though to line item it as a "Garbage Fee" as a sort of F U . . . I'm gonna grab my b's and make my demands.
You're getting a great deal as it stands, just go buy the truck and try to enjoy yourself.