You could do better with old school hagglling as someone mentioned, but only on a truck that isn't in demand. If they have several of the same/similiar trucks around then you might beat the xplan.

Thing about the xplan is that you get the rebates too. So for instance if you are looking at a truck with msrp 50k, the xplan price coule be 47, and then you would take off the current rebates of 2k. So price would be 45k.

Also, in my opinion, if you are thinking about ordering one, xplan and rebates is definitely the way to go.