Good Morning Marina,
Your question as a Seller in today's market, is valid as Seller's are concernd about their walk away dollars.
The full service brokerage, such a Coldwell Banker, has very strong guidelines regarding commission for a few reasons. The most important is that a full service brokerage has invested in their brand and in the education of the agents to ensure that the client is "serviced" by a Realtor who is truly a subject matter expert on the contract, inspection reports, escrow, title and mortgage lending guidelines. The expertise in these areas can not be discounted as the process is not transparent to the end buyer nor to the Seller Realtors are not paper pushers, but rather professionals who guide the client through a very difficult and emotionals process. There must be over 100 touchpoints of a full service Realtor in one transaction.
Normally sellers are also buyers. I would recommnd the following in today's market. The sale of your home is not going to net you as much as it would have in 2005. However, your purchase power as a buyer is greater in 2007. I would suggest that you look at the total picture of selling and buyings and I am confident that your net gain is greater in 2010 than 2007.