You can pretty easily get the N85 new for close to $300 on ebay right now. The low price on the N86 is $529, but they're kind of all over the place, since the phone just came out. I would never buy a phone directly from Nokia, that just seems like a sure fire way to get ripped off.
Also, isn't the intro price on the N86 supposed to be lower than what the N85 first sold for? Which would suggest that the price on the N86 will come down to $300 more quickly. That's one of the things about technology, it tends to get better and cheaper at the same time, because of economies of scale, etc.
The problem for me is once the price comes down to a level I'm willing to pay, they next new thing is on the horizon and it's easy to just keep waiting. Of course, you can save a lot of money that way.