The Cheese
I believe it comes with the Ram type mount with the u-bolt clamp etc. In the installation guide in the manual it shows this mount without any notes indicating it is optional. On the page that shows the Automotive mount there is a highlighted note that says the automobile mount is an option that can be purchased.
I just talked to someone on the Africa Twin forum that already received his new Zumo XT. It does come complete with the Ram mount and base.
I'd like to see the source you cite. I'm on the edge of believing you. I interpreted Garmin's website differently. That the handlebar mount was not included because it is not listed under whats in the box. The fact that it lists a handlebar mount under accessories seems to reinforce that. However the manual does say it includes parts for two installations solutions. Seems to be purposely vague and contradictory.
It seems to continue that theme to music. It does not list a MP3 player specifically. One place it says it can control a MP3 player or a smartphone's media. Another place it says it will play MP3s stored on the navigator.