Funnily enough it was much the same for us, RNS was going to have to be after market (and after finance) where the Pioneer was dealer fitted and paid for under my lease. At the time it made much more sense.

I have since looked into "upgrading" to the RNS instead, but when you add up the prices of the RNS + Bluetooth + reverse camera it's a hell of a lot of money to simply put info in the MFD.

On the upside the Pioneer beeps for speed cameras (although even that is a bit odd in the way it works) where the RNS does not... I'm just sad that Tom Tom don't make a double DIN hard mounted unit with reverse camera support.... and preferably with digital radio
Bottom line the RNS and Pioneer units do what they claim (as does the one in the Subaru's and Toyotas too), it's just that your average $150 portable unit does a far better job and comes with 3 years to a lifetime of free map upgrades.