How does wanting to save a few extra bucks equate to not being financially able to purchase something? Why would I just shrug and pay extra when I could possibly spend 10-15 extra minutes and possibly save some more money. Your argument just does not hold water. Being smart with money can actually mean you end up with more of it in the long run.
Possibly spend 45 minutes to an hour, only to get a rep that has no idea what the current promotions are, and is going to tell you whatever they have to to get you off the line without a discount. I'm sure you can at least get some points out of it and won't discourage you from trying, but just thinking about some of my customer service calls makes me want a cigarette.