The SS shop you went to earlier, what type of selection do they have?
I kinda disagree about prices from shops that cater to SS/FG vs more general shops. In the area around here it's the more roadie oriented shops that carry virtually nothing as far as FGSS bikes go. The few FG bikes they do have are usually right at MSRP or only slighly below. The one shop I usually go to that caters to FGSS is right by several colleges and the prices are pretty competitive. They sell fuji track/lagers for ~$300 and Fuji obey for $500. All decent bikes are pretty well priced compared to online.
It's the "walmart" of bikeshops but maybe check out Performance. The local one here has a few old Madisons priced low and some closeout Fuji feather's for less than $400. They are good entry-mid range bikes that aren't terribly overpriced vs online.
If you know your size and still can't find anything local I'd probably just buy something off BD