Folks,
Back in the 60's I worked for a couple of years as a claims adjuster. As you know Homeowner's policies frequently cover personal property against fire, theft, and some other things. The adjuster's job in such cases is to arrive at the actual value of the lost/damaged product. In those days insurance usually paid the "actual cash value" of things. Nowadays most folks who buy Homeowner's policies elect to pay the extra premium for full replacement cost. In those days this was rare.
In establishing the ACV or the Replacement Cost one has to deal with the markup issue. There is usually quite a large markup added to wholesale prices to establish the retail price. One example is when we get our vehicles fixed by a local mechanic.
If a part must be obtained from the manufacturer's dealership, the mechanic gets it for "wholesale" and marks it up 40% to establish the price you pay for it. But remember, the Ford, (for example) agency also bought it from the manufacturer for another version of "wholesale" and he is still making plenty of money when he sells the part to the mechanic for 40% less than you would have to pay.
The worst markups I encountered were in furniture and Jewelry. Since the policies always give the insurance company the option to repair, replace, or pay in money in settling the claim, many folks are very upset when they discover what their lost/damaged object is actually worth. Furniture markups in those days ran 300 to 500%, and Jewelry up to 1000%.
When folks find out that a ring they paid $1500 for can be replaced with an identical one for $400 they aren't thrilled, to say the least. In the case of cars and jewelry, and I suspect RV's, what folks usually want is the cash.
How does this apply to discussion of TM? Simply to say that a 10% discount is peanuts for a dealer or the company. So it should not be a big deal for dealers to adjust their prices accordingly.
Tom