Hit the nail on the proverbial head shipmate; and I would hazard a guess that quite a few here have paid significantly more the MSRP and won't admit it, and anyone who claims to have bought one new for less then $400.00 is, well, I'll leave that to your collective imaginations.
I paid $335 for a brand new Shield. That's the first responder price at Bud's Police Supply, you can check it out all you want. No tax, free shipping.
I also paid $754 for a new M&P AR15OR just a month ago. And then I sent in for my $100 S&W rebate. Actually bought two and flipped one for $1600 cash the next day. I'm making out on other people's unpreparedness.
I share fries at restaurants. I clip coupons. I reuse garbage bags. I just finished calling 8 local tire shops to find the best price on trailer tires. I also pay more than 100K in income taxes a year.
I believe a penny saved is a penny earned.