OTD is all that matters. And when getting quotes over the phone, I have to have an email from the low bidder with the OTD details spelled out very clearly before I will drive even one mile toward a dealership.
Too many of us probably have stories of being flat-out lied to about "total cost" etc. It's not until after you drive to wherever, that you find out you were talking/dealing with liars. A detailed "OTD" email from the dealer can save a lot of grief and wasted time.