Margaret and I have put out quite a few independent recordings over the years. We still make the bulk of our money selling them at concerts. Wholesale, the price sort of varies depending on the place that's buying them. Some local stores will pay us about 2/3 of our asking retail price, some about 1/2 of our retail price. I would be wary of folks asking to pay you much less. If you're putting it out yourself, you are not getting big label quantity price breaks on manufacturing. Also, if your recording is sitting on a store shelf and no one knows who you are they are not likely to buy it, unless they can hear bits of it. Radio play helps with that, but you'll still probably find that sales are best when you have just played.