My D800 is a refurb (no way you could tell from new) and I got it for $2299 from Adorama. An additional 1 year warranty was $8. I highly recommend NIKON factory refurbs. My D5100 is also refurbished.
Not for me...I'd take the D800...easy decision...pro body over prosumer model any day of the week.
IMO new cameras are like new cars...why pay a premium then take a huge hit the moment you drive off the lot or open the package? Let someone else take the hit and get glass instead.