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Its VERY rare a figure is unobtainable at retail if you wait....
Sent from the inside of a giant slug in outer space.....
Mostly true, it sorta depends on what you collect and if you are willing to wait a really long time for an end of the rainbow eBay deal. There are some recent Marvel figures that have doubled almost overnight and some other figures that have gone up a good bit. That said I also have saved a good bit of money waiting out certain toys but lately I have grown impatient waiting even longer than the standard 12ish months.
Also sometimes waiting another 3-9 months on a figure will net you 20-30 bucks off....was it worth it? These days for me the answer is no.