$1400 for freight and prep is absurd. With both of you buying, they should wave it or just have you pay < $400 for freight. Someone else on the forum was quoted 2.99% which seems attainable for you with your credit.
I would definately shop around... where are you located?
In addition, any upgrades that you purchase with the bike or typically within the 30 following the deal should be discounted as well - at least 15%.
I have not paid freight or prep on any of my bikes and avoid many of the Mickey Mouse fees (franchise tax - which isn't really a tax) by usually dealing direct with the sales manager or GM.
If they won't work with you, go elsewhere.
2014 Panigale 899 - Red
Termi Exhaust, Rotobox Wheels, NRC Fender Eliminator, Rizoma Rearsets and Reservoirs, Yoyodyne Slipper Clutch, Ducabike Clear Clutch Cover, CRG CF Levers, DP Fuel Cap, 'R' Seat Cover and Decal Kit
R&G Radiator Guard, Fork and Tank Sliders
2015 BMW S1000RR - Red
HP Wheels, Yoshimura R-55 LE Exhaust, Competition Werks Fender Eliminator and Integrated Tail Light,
Rizoma LED Indicators, Fuel Cap, and RRC Levers, Bonamici Rearsets, R&G Sliders and Rear Spools