No way should anyone pay MSRP on a 10-14, I got mine lightly used for $350 plus costs, I dropped about $150 in parts and I was still in under what a NIB one would cost and this gun is one of my favorites now, it's tuned jut the way I like it, it sets off CCI primers. I just need a better set of grips, and to finally put the Plug in and it will be perfect. I can't stand rubber grips on any of my 10's.
Sure you can get a used, holster buffed older one for $3-400,and it will probably last you forever, but it's not a brand new 10-14. Since there isn't as much demand for the IL guns, you can probably get a used 10-14 for about the same as a nicer 10-6, 10-8 o 10-10 will run you. There's something special about buying one NIB, and being the first one to put rounds through it outside the factory.
My dealer quoted me at $540 or so for a 10-14, I forget the exact amount, this was this past winter. I'm looking for another one to keep stock, to keep it "original" for my M&P/Model 10 collection. He can get me a 64-8 for $560. I also look for 64's but I like the 10's better.