Now this is not for everyone but some auction sites offer "Factory New" guns for quite a bit of savings.

I have bought from GunBroker and Auction Arms I saved 60% one gun and 50% on a another. It took a bit of watching and trying but eventually I paid and saved what I had in my budget.

For service I have a local gunsmith I have often discussed with him this issue of buying online and he likes it. He does not have to purchase large inventories and gets to do what he likes best.... service.