NADA pricing is based on actual auction and retail sales data, and the listed values are averages, meaning vehicles sell both above and below those values. Keep in mind that the online price guides are not regionalized, but the printed guides supplied to dealers, lenders, etc., are regionalized with suitable pricing adjustments. Also remember that these are only price guides, not absolutes, since it would be impossible to include adjustments for all possible vehicle conditions or local economy differences. As for options, you should include any extra cost items that were not included by the manufacturer as standard equipment or "mandatory options" for a given model. I do expect that NADA RV and boat pricing is less accurate than their car and truck pricing though, due to the much lower sales volume generating the data.