I have purchased almost all my guns locally. It's not just price, it's service. My favorite LGS will pull things off the sales floor to hold for me to look at a gun or research it. They also have not charged a transfer fee on the couple of guns I have purchased long distance. I'm also lucky because Bud's is local to me and they usually have good prices, though not always (obviously).
Jim's Rules of Carry: 1. Any gun is better than no gun. 2. A gun that is reliable is better than a gun that is not. 3. A hole in the right place is better than a hole in the wrong place. 4. A bigger hole is a better hole.
no guns = might makes right