Well I've bought a few items, in the past 8 months from the 1:1 endo skull, 300 figure & Arnie T800 all have come cheaper from SSC then I was able to buy locally & thats including the shipping with no use of discounts ie: points or gift cards. The dropping dollar will affect this, I'm not really sure where the shipping used to be priced either but I've been happy so far.
It's only been with the very high exchange rate and the discount in shipping that ordering direct was cheaper, otherwise I was always able to get the items cheaper at a local shop.
I only buy EX's and with sideshow flex pay it makes it so much easier to buy stuff without having to cough up a big chunk of change in one hit.
I've never used flex pay, I always save and budget. As for the EX's, either none were still available, or the included EX part just wasn't worth the extra at the time that it was going to cost.
My next real test will be the Maleficent PF, I cancelled my EX order since I had some issues with the statue overall and really don't like the EX head anyway. So am waiting for in-hand pics and if those are much better, will consider the Reg, either direct or locally, depending on shipping cost's, local cost and exchange rate.