Just a recent experience that fits in with this discussion:
I was recently in the market for a S&W J frame Bodyguard for my wife. Davidsons' has the gun for $432.00. My local gun shop had it in stock for $472.00. A $40.00 differance. When I considered the transfer fee of $25.00 for the Davidsons' gun, the savings was cut to $15.00.
I decided that the extra $15.00 spent in my town was better than sending $432.00 out of state.
I think about things like that.