I've never used X-Plan, but I've been suspicious that it will lock you from further negotiating. X-Plan is right at invoice. Dealers like it because it reduces their price from Ford. It would be quick and easy negotiation for both purchaser and dealer. However, one "may" be able to negotiate better. I got my 2012 F-350 for $1400 below invoice because a sales manager was very rude and the owner wanted to make sure I left happy. After the $3750 of rebates, I was ecstatic. If past history is any indication Ford will start offering big rebates by May even in this new model year.