IMHO, you take a chance when you purchase from an unauthorized dealer over the internet that the product will not be defective and that you won't need warranty work on it. It is much less expensive initially, although the separate warranty purchase lessens the percentage of discount considerably, and chances are that the product won't need warranty work. However, I always consider my time and effort worth something, and if I have to re-box the component, haul it to the shipper, pay the shipping, wait for repairs, etc, etc, then the money I saved is whittled away through my own time and effort. Even if the warranty that I paid for is iron clad and pays off without a hassle, I'm still out my time and component while it's being shipped and evaluated and then I wait until someone from the repair unit contacts me, or I wait on hold after negotiating a seemingly endless maze of telephone menus. Again, chances are it won't happen, but that's why you buy the warranty. It's a gamble against a defective product.
If I purchase from an authorized dealer in my city, it will cost more initially. Sometimes I can get a decent discount, sometimes I can't, but I always get good service because they want my repeat business. They have a well stocked store with several listening areas, all well appointed. The sales staff is helpful and, most of the time, knowledgeable. The overhead must be tremendous. I go in and listen to speakers and poke and prod components and b.s. with the staff. They are always patient. I can't do that with an internet seller. Sure, I'd like to save the money and spend it on upgrading other components or whatever, but I think the tradeoff in hassle is worth it.
I'm not a rampant capitalist, and certainly don't think the current trend to hand the country over to Big Business interests is in everyone's best interest. But, I don't mind seeing a legitimate business who attempts to win customers with good service and honest pricing make money when they sell me something, as long as I don't feel poked in the eye. The internet vendors don't take care of you like you're hometown guys do and that's worth something.