So it was listed as 579 plus ca sales tax. Estimated 626 out the door I figured. Just a heads up I asked them and it is 540 plus tax about 586 out the door.
I choose to exchange mine for a different color combo, and the rep said that because I purchased direct from Moto Maker, the process was much simpler than if I purchased a card thing from the AT&T store (they just gave me a code to buy a new phone, and emailed me a pre-paid shipping label for my first phone). If you are confident in your color choice, it's probably worth it to save $40 and buy from the store.
Avoiding the AT&T store is probably worth $40 to a lot of people though.