F & I guy at local dealer resisting MSD's...why?

[pgaX5]

I have around $6000 I was thinking about putting towards MSD's on a 2010 X5 30 for my wife. When I called my local dealer's F&I guy, he said he "hadn't done MSD's in 4 years" and that rather than trying to lower my payment that way, maybe I should "get a less expensive car.". Odd answer, I thought. When I pressed, he said it could be done,but that it wasn't equitable. Any idea why he would say that when everyone raves about the program?

Also, he seemed really irritated when I mentioned the Buy Rate as my starting point for negotiating. He grudgingly agreed to mark up the rate by only half the full allowable markup (.0002)...called another dealer 80 miles away & they said the same thing...that the F&I guy has to make money somehow. That's fine, but it seems like everyone posting their lease deal is getting the Buy Rate. Is that just a SoCal thing? Seems like in TX, we don't get much leeway...had to claw for $1000 over invoice.

Finally, is there any sense in paying the tax upfront to reduce monthly payments?

Ordering the car tomorrow, so your input is greatly appreciated!