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I actually, in a perhaps odd way, almost enjoy the adversarial/upmanship engagement in the finance department. The key is to remember that, until you sign, you're in complete control and have the upper hand. Ask questions, don't be afraid to pause and think, and ask for clarification. If you feel like you're being pushed into something you're not comfortable with, just say "no thanks" and move on. But keep an ear open for some potentially good opportunities; No, not rustproofing or fabric guards, but my last time (on a CPO M240), I was given the opportunity to extend the warranty by two years, and they lowered the finance rate for doing so. The net effect was like $6 / month, so it was a no-brainer.
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