Products I've had to buy online, because not available at my local shops:

Planet Bike SuperFlash
Brooks saddle
Cateye Strada Wireless (no kidding)
Mid-priced bibs
Fenix lights
Tires with reflective sidewalls

All of the local bike shops (with one exception) are about road bikes and MTBs. Exception is a speciality shop that does recumbents and other niche bikes, but he's way out of town and hard to get to.

One has a well-stocked repair shop -- that's nice to have.

Another has a well-respected, experienced bike mechanic -- very nice to have.