Online vs local store?

So, if you were gonna buy a $500.00ish camera and Secure Digital Card,
would it be worth it to you to pay about $90.00 less by buying them
online vs in a local store?

I'm debating. I could pay about $535.00 online (incl. shipping charges),
or about $625.00 here (incl. tax) in Milwaukee.

The problem I'm debating comes if I have to return the camera for repairs
or replacement. Having to ship it back and forth costs money, and will
take a much longer time than just bringing it back to the store and
talking to someone face-to-face.

What do you all think?

Oh, if it matters, I'm looking to buy the Konica Minolta DiMAGE Z5 plus
the Sandisk 1GB SD Card.

--
Eric Babula
Milwaukee, Wisconsin, USA