The dealers prices part is a fair call. They are always overpriced.
I guess we don't see a great deal of nsr's or any any 2t road bike for that matter (except the crap rs 125 + 250) for sale at a dealers because I think they are required to give a 3 month warranty with all registered vehicles. And lets face it, alot can happen in 3 months.
You only have to run cheap oil and bad fuel for a little while and you could need a new motor. Dealers don't want to spend $2000 trying to fix a bike that they just sold for $4500.
I'd prefer to deal with an owner than a dealer anyway.
Andy
Bandit7