I'm a REALTOR, and thus a buyer's agent, so of course my opinion is biased....however, if you are representing yourself, then you are NOT being represented. If you were in court, up against a felony charge or a $1M lawsuit, would you represent yourself? I suspect the answer is no.
But yet, as you are about to make, perhaps the single largest investment of your life, you would do so unrepresented? I sure hope you don't.
Consider that a REALTOR, representing a buyer through a brokerage, has E&O insurance to protect themselves when the REALTOR makes a mistake. If you make a mistake representing yourself, do you have E&O insurance? The reason I point this out, is that any time an unrepresented buyer begins to talk about using my commission for a price reduction, I immediately make sure they are aware that if any deal is struck, they understand I am not representing them, and that I am ONLY representing the SELLER. I will not negotiate my commission and then also enter into dual-agency...that's a sure fire path to ligitation that I'm not read to drive down.
What I'm also pointing out are some of the issues that a REALTOR faces, and why the scenario you paint may be faced with some resistance. I've been on these paths before, and I have set boundaries for myself. Perhaps not every agent does, of course.