It is alot less stressful on a fish if you buy from an LFS and Drive it Home in 5 Minutes than Ordering it Online from across the country. Sure they may replace the dead fish online but if you put it in your tank and it has something and that spreads and kills your other fish will the online store replace those dead fish? No So I would not consider it a wash. I would rather see the fish in person and make sure it is healthy and one I like. Even if the fish online was healthy what if you didn't like the way it looked? I looked at 20 Flame Angel at LFS's in the past to get the one with the nicest pattern and color. Can't do that online.