I think 475 might be a tough sale...i've seen them at 425-450 not selling... just depends on timing and market.
With 3 free mags and a mag pouch (what is that, almost a hundred bucks?), and finding new ones for 518 range, or so, online, personally I'd just buy a new one (with FFL fees you're looking at $540 or so with 3 free mags and a pouch, so roughly 450 for the gun) uness the used one was in the 4-425 range...
Even my LGS is advertising 3.8 and 4.5 M's for 529.99, add tax to that your're looking at 565 or so OTD w/3 free mags.... timing is everything. I think that 3 free mags is a killer for used XDs right now.