On high end stuff, my LBS is very competitive, they install any prts, and they service our bikes (minor adjustment type stuff) on the spot at no charge. I have one of their saddles on my bike now for a test drive. The biggest premium I've ever paid over on-line was 40.00 for some shoes. Well worth it since I'm damn near impossible to fit and they ordered some for me to try. Those didn't work, but they found me some that did. They can't match 24.00 jerseys, but they're golden for almost everything else.