The general wisdom on bike direct (or other online sources) is that if you order it is recommended that you be comfortable with doing your own mechanical work. Reports have varied over the years with people getting perfect bikes, to bikes that need grease and adjustments.
If you plan on buying a bikes direct and then paying a shop to work on it, you will probably end up paying the same as if you bought a bike from the shop. Shop time is expensive.
and if there are any issues with the bike you don't have brick and mortar to go back to.
Not to say that there are not some deals, I kinda like the nashbar for a buddy.....epecially if you get another 20% off which happens often but you should beware of total cost...ie bike plus whatever you then have to pay someone else if you don't do your own wrenching
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Life is too short not to ride the best bike you have, as much as you can
(looking for Torpado Super light frame/fork or for Raleigh International frame fork 58cm)