When I ordered our Expedition (in 2018, Pre-Covid, Pre-Shortages) I was able to ink a deal at Dealer Invoice less incentives at the time of delivery, less half the dealer's holdback. In not doing an X-Plan deal, I was charged the dealer's inflated documentary fees and not the lesser amount specified in the X-Plan terms. I probably saved maybe $200 over X-Plan. FYI, our family had purchased ten new vehicles for this dealer in the past and we had bought from this salesman before, so it was almost as effortless as using X-Plan would have been.
In today's market and depending on your wants/needs, you may not find what you want on a lot somewhere. Even if you do, it will more than likely be packed with overpriced dealer ad-ons like window tint, paint sealant, and more that you could have done better and more affordably on your own, so your best bet will be to place an order and wait seemingly forever. As I said in another post, know the Order Guide inside and out as there are often packages that give you more for less $ than ordering your options a la carte. if you are up for it, Internet shopping and ordering will give you the advantage of staying out of the dealership and negotiating on your turf--pitting one dealer's Internet sales person against another because you're pricing identical vehicles and that might allow you to beat X-Plan. Just remember that there will be doc. fees added on, and dealers price them way high, so verify that the price quoted is out-the-door with nothing you didn't ask for. Good luck