40 bucks on the bike at a dealer is insane. Where is it, I will drive there every time I need a rear done on my big ass bagger. Remove both saddle bags, both shocks. Jack it way up so the axle drops below the exhaust then get the tire out through the bottom.
100 bucks seems more inline to me.
Now if that 40 means you have to buy the tire from the dealer at list price I might change my answer.