Welcome to this forum. I still can't believe anyone would even pay msrp, but till enough aren't will to do so, dealers are going to charge what they know they can get. I guess the days are gone when i bought my 2020 for $3500 under msrp.
I take it crime is up in ny. Some of it has been spilling over near me in connecticut.
At any rate i'd be thinking about rust protection, winter isn't far away.