I have not dealt with RDC but my experience with Ramkay was just super. As mentioned by tiaf, Ramkay do add 5K for accessories but they will waive it off if you negotiate. Also make sure that we cross check the insurance premium with FG directly. I was able to save around 13K just in insurance premium. It was possible only because of a fellow tfian Vivek, with whom I talked about a week before my booking. Finally I got the insurance from Ramkay itself with the amount quoted by FG. All in all it was a pleasant experience and I have reffered many of my friends to Ramkay.