In these parts there are two music stores within 30 miles of me. One will pretty much match the big discount chains to the dollar, but their service dept. isn't much to brag about, IMO. I've had to readjust setups when I got home or play the guitar before paying and tell them the action was too high/low, intonation was out, the neck relief was way off , etc.
The other store usually tries to get close pricewise (a $799 retail item may go for $599 @ the mega chains, these guys may go as low as $650), but when you take it home it's ready to play, and when you go back to buy strings for it, you get a free setup every 2nd or 3rd time, so it kinda all balances out, I guess. I usually set my own the way I like anyway, what makes me real nervous on a big purchase is buying without getting my hands on it first. Pack it back up, send it back, try again. Same w/ e-bay stuff. At least the big mega joints will take a return as opposed to private individuals. I've been thinking about as SX (thanks Trem and Robert!

) strat, though. I don't think you could go wrong for the price, even if you just used the neck or body on another project.