My understanding for the United States the Dealer Cost is $3700.00 non-ABS. Honda Positioned the price of the bike in the U.S. as a Loss Leader the way Kawasaki did with the Ninja. MSRP for non-ABS is $3999.00. So Honda built in a $300.00 margin for its U.S. Dealers ...and you know to be fair they have to make something. Right? So if you have no relationship with the Dealer your working with, you might expect a full MSRP quote and maybe even freight and setup. Once the bikes are in stock every where (next year?) the gouging will subside.
I have a 10 year relationship with my Honda dealer and I have been through several bike phases. I asked "your not going to make me pay full MSRP when it shows are you?" He said he wouldn't do that to me.

He has never charged for freight or setup. All I expect is tax, license, and some $75.00 or less fee for paperwork/whatnot.
Full insurance with medical and coverage levels on the high side, I was quoted $202.00 a year. I have used the same small insurance broker that finds me the best rates on all my insurance needs for the past 25 years. I think they told me they pulled this rate from Progressive Insurance.
It really does pay to establish a relationship with a local dealer. Things can only get better for you when you return down the road for a change to something else when the mood strikes.