>>they're dinging you for a whole new cluster just because a bulb's gone???
RUN AWAY! find yourself an honest repair shop. bulb less than a buck.<<

1) Read the subject line again. The OP isn't going to be "dinged" for a
vehicle still under warranty.

2) Are you sure this is a bulb, or is it an LED soldered to a circuit board?
The latter are not usually field-repairable by most auto mechanics, and most
instrument clusters these days consist of circuit boards and chips. If it's
the former, yes, it's stupid to replace the cluster for one burned-out bulb.