You've become your Dad!!
Re: MSRP, I have paid that price, if there wasn't any other alternative. Just the other day, I bought one of Walthers' P2K F7 single A units to round out my EB train. It was sold out everywhere, and when Walthers said it was in stock, I wasn't going to run around trying to save a buck or two.
Like everybody else, I try to save money. Sometimes, the difference is minimal enough to not worry about saving $$, and I'll pay retail. Other times, it's big money. I was at Best Buy yesterday, looking for a new Hard Drive. The Western Digital 160GB one was $83. Newegg had the same model for $49, though it was the OEM version (no packaging, CD, Manual, etc.). Best Buy did have a spot marked for a closeout version, $62. I would have bought that at BB, but since the were out, I wasn't interested in paying 40% more.
So, for me, it's 'It Depends'....
Kennedy