Most of my dealers have nothing but polished everything. Personally I'm not a fan of polished so it sounds like we should switch locations.
A lot of times you cannot tell in pictures...ones that are actually polished may appear brushed and vice versa, and the SO42 polished looks different from the SO44 polished which looks different from the SO44 brushed IMO.
This is a brushed 44 (you can see the brush lines on the top 'lumes' (I think that is the right terminology)

Here is a (presumably) polished one (it looks totally different in person)

However, it may be my blind eyes but when I see a picture of a watch it looks different to me than seeing it in person. The first time I saw a Steelfish, I was like "no way"...then when I saw it in person I was like "I will one day own this watch even if I have to sell a testicle"
One thing some members do, myself included, is to take a Cape Cod (or other polishes) to the brush finish to get a nice radiant reflection, but not something so high polish that it shows every bit of dirt, fingerprints, and fine scratches. I'd say when polished it sits right between the brushed you see in the store and the polished.
Price-wise I dont think there is any difference in MSRP and 15-20% seems pretty standard.