what is my bike worth

I might take the $400. Unfortunately our bikes usually aren't worth in the public market market what they are to we of this forum.
You have a nice build- the custom things make it better than the run of the mill build- but most of the public doesn't appreciate that fact.

It's why I haven't built any bikes to sell (besides being old and arthritric). They are hard to clear a profit on- that may change some if transportation gets any more tight or expensive.

But it helps to be here in Florida I think- the bikes are more viable more of the year- Mine have been very practical gas savers, and savers of miles on the car. Ido quite a lot of my shopping and transport with my bikes.

Be patient if you can- but i don't think $400 is too bad- I see builds here on Craigslist in Jacksonville occassionally for $150- $200- though most are probably $300 or $350- some more, and not sure how fast they sell.

good luck with it.

Yep... nice bike and you should except your buds offer.

If it had nice fenders, I'd be thinking to put it on CL for 595 and prob not take less than 500

sounds good, with fenders you can usually sell to folks that do not usually ride and have money