Connie
Even if you take factory delivery, you are still buying from a dealer. Someone else might be able to answer if the delivery charge is dropped (or not added), but I would assume so. However, there's an additional charge for factory delivery, something like $750 or more, which presumably helps offset the cost of the tech(s).
In reality, "factory delivery" means delivery at the factory service center, which may or may not be co-located with the factory. In the case of Monaco, their service center is located 10 miles north of the factory, in another town. The service techs aren't factory workers, although many of them were at one time.