You are not crazy nor being unfair, in dealer lingo you are called a squirrel

You are playing the game step by step having done some homework on negotiations , I like that.

Thank you sir! It is nice to have someone affirm your work and research gives me some hope and more confidance so they dont break me. In your professional opinion should I call back and make another offer? I offer cash to purchase the vehicle, however I did not think this was incentive enough since they make money on financing.

P.S. Thank you very much for the prompt reply as I am in progress of applying all your recommendations on this site.