I don't own a XC yet but I'm working in that direction. How have most of you bought your bikes, stock or loaded with accessories? The reason I ask, is there a cost savings doing it one way over the other? On Victory's Web Site they allow you to custom design your bike. If you were to buy it from a dealer locally, would it be best to buy a stock bike and then get the accessories or order you bike from Victory with all the accessories you want. Thanks in advance for your opinions.