spudrcr - I apologize for not making myself more clear about my "trying" the 20's. What my dealer agreed to was this: I could purchase the 20's and use them in my home for ten days. At the end of those ten days, if I felt that the 20's were not adequate and I needed the 40's, I could return them for full credit toward the 40's. Of course, this was assuming that the 20's were returned in pristine condition with boxes, paperwork, etc. As I indicated in my earlier post, it wasn't necessary because I kept the 20's. There may be some dealers who will allow you to "demo" the speakers in your home, but I haven't run across any.
Buying used is an option. I don't have experience buying used equipment but with respect to most audio gear, warranties are not transferable (Bryston and Outlaw are a couple of the exceptions which come to mind; I'm sure there are a few more). If you decide to buy used, I'd gravitate toward Internet audio sites like audiogon where audio folks are more likely to have taken care of their gear. With respect to Paradigm's Reference Studio series speakers, I believe they are still on version 3. I have seen version 3 stuff on audiogon at reasonable prices.
As far as authorized dealer discounts go, of the four or five Paradigm dealers I shopped at, all but one were willing to offer discounts ranging from about 10 - 15%. I didn't negotiate cables or stands, but most dealers should discount those as well and some may even throw one or the other in for free, depending on how much of a discount they're giving on the speakers. Also, the more gear you buy from any given dealer, the more negotiable they usually are.
I've never heard Paradigm's Cinema series speakers so I can't comment on their sound, but they appear to have a high WAF.
Finally, yes, you should get out and listen to them. Be sure to take along some of your own CD's; ones you are very familiar with. Remember, when you are A/B'ing the speakers, they have different sensitivities. In general, the speaker with a lower sensitivity will play a little louder. Don't mistake louder for better. To my ears, the Studios are notably better than the Monitors, but, after listening, you may not agree. And if you do think the Studios are better, you may not think they are $xxx.00 better. Like quig suggested, it's what sounds best to you that's most important.
Good luck!