I haven't bought a brand new sled since about 2000 when they Costo'ized their business model and made it impossible for the small "service oriented" mom and pop dealers to meet their sales quotas. I knew that was the end of decent service and dealers that truly cared about their customers. All my sleds since have been made from scratch from the best stock and aftermarket parts I can source, and I still typically do my own modifications on every single one to meet my quality, strength, and performance criteria.
Sorry the big box dealers are screwing you over, but I saw it coming nearly three decades ago. There is no service anymore (anywhere), and there are so many loopholes in warranty and insurance contracts they are worthless and a giant waste of money as well. Pick what you want. Buy it outright, maintain it yourself. Ride happy! FiretrUCK the S(d)dealers!