Thanks for all the great answers. I was going to sleep on it last night, but got no sleep at all thinking about it. Been wanting an Ultra Limited for a long time and when I saw this model and color in the catalog I knew it was the one for me. Just happened to go into the local dealer yesterday and there she was sitting on the showroom floor. Each dealer only gets one of these (supposedly). As far as the financial situation, I can afford it, but who knows what happens in a few years. I have no "other 1/2" anymore, so that's not an issue. The kids are grown and gone, so it's just me and my Heritage (for now). My biggest issue is they aren't giving me squat for my bike on a trade. I could try to sell it but that could take a while and a big hassle, and by trading it in I save on the sales tax for the trade in value. They won't budge on the price or the freight and prep numbers, or throw in any freebies. I wanted a riders backrest or some highway pegs, and they won't even give me that, so asking for a free extended warranty would be a waste of time too, but I'll try it. At least this dealer is only asking MSRP. Some of the dealers around here are adding 3-4K to the MSRP. I'm not too worried about the resale value because I plan on keeping this one for many years. And this one is not a whole lot more than just a regular Ultra Limited. Well, think I'll go buy it see what happens.
(or I could buy the new CVO Ultra that they have for 43K)