I really think it's location, location, location, not necessarily whether or not the software is the product.
I've worked for consulting companies, product companies, and right now I work for a sort-of back-office organization. The best I've been able to do, despite several years of experience, good references, inside connections, a graduate degree, and being pretty (I think, anyway) personable is...75k. And I don't know anyone doing much better unless they moved to SV or NYC.
My long-term plan is to see if somehow I can find the time to find a side-project or contribute to something open source, so my ability is out there and highly visible to anyone considering me, but that is going to be very difficult for where I am now. I'd love to make low six figures, it seems difficult to believe even in SV there are new grads making 150k, and it's frustrating to me because I know I perform at the level of people making that much money.
EDIT: In case anyone was curious, new grads hired for development in my area of the US get paid from about 35-45k.