Sounds like the Upsell Dept. Some wish they would get called and then some get called and the deals are not always that good.
I would not feel bad at all about turning them down if you were not interested. Its none of their business why.
I would have been turned off if she was pushy with me and said no just because I didnt like her attitude if nothing else. I dont like when people are pushy.
Call me suspicious .. but I would not believe you were the first person they called...so if it were such a great deal .. how many others already turned it down. That's a lot of money to me. Try and not let it bother you. She probably had 10 no's before she got to you and was hoping to push you into it so she could go home.