Last question for you Speedmaster bubbas.
If I was going to pick up a speedy, I could save a buck buying used, but obviously possibly miss out on warranty stuff. If I plan on using USAA value property insurance, the warranty isn't really worth the AD mark up right? Or am I missing something that will bite me later?
What
@HAL Pilot said. Also, from what I hear, some ADs will give you a discount off the sticker price. Buying used, make sure you look at the service history, especially if it's more than a couple of years old. Current price to service a Speedmaster is about $750, assuming no other parts are needed. I got a 2.5 year warranty when I had mine serviced after the Great Drop Catastrophe of May, 2017. Turnaround took a few weeks, so factor that into your planning.
When I originally bought my Speedy, I bought on the grey market... but I wouldn't recommend it in hindsight. If something goes wrong, you're basically left holding the bag. Definitely insure through USAA, but they won't cover it against malfunction, just loss, theft, or damage. The warranty + insurance covers all your bases.