IMHO the main advantage of a dealer such as Hillbank, is they offer a variety of different Cobra's at slighlty inflated prices. The main advantage is VARIETY... one stop shopping. Yes, I would prefer to purchase a private party Cobra... but if I want a particular color/motor, wheel/tire combo Hillbank might have it in inventory right now. Convenience might be worth the extra $$. And there is wiggle room on the price.