As with everything, your mileage will vary by location and ability to find a good local FFL holder. I have found that the local guys, for some reason, have started jacking their prices up beyond the MSR. When that happens, I can usually find what I want on the net cheaper, even with the normally $60 I need to add for shipping and transfer. When the locals drop down to 10% below MSR then there is a parity of cost I can afford (immediate access to the gun, taxes, and the fact I am willing to pay a little more to keep the shops running). But, I believe, without the internet to provide some way to keep prices reasonable, the locals will take advantage. Just my observation from where I sit.