A) This isn’t a good deal. Plenty of SQ5 posts here, including posted above, so you’ll get lots of good comps. At first glance your discount sucks, so that’s the main culprit I think.
B) If a dealer lies to me about MSDs like that honestly I’d just walk away and not to business with them (and make it clear that’s why I won’t do business with them). MSDs will save you $30-40/month or more.