Reading this thread makes me realize how fortunate I am.
Living in Melbourne, Australia, we have a fair range of camera stores within a 25km radius of the CBD.  I'm about 25 minutes away from a great secondhand camera dealer (Camera Exchange), an excellent independent (Camera Lane), photo specialists like Vanbar, and a number of chain stores like Teds, Digi Direct and Digital Camera Warehouse.
I like to buy from local stores as much as I'm able, only buying from B&H when the exchange rate is really favourable.  At the moment, the exchange rate means that buying from overseas isn't that much cheaper than buying local at a discount.  The places I frequent tend to be staffed by diehard photo and gear enthusiasts; Camera Exchange had a guy who now works for Leica Australia, and Teds in the CBD even had a fellow who has met Tom A a time or two!
Perhaps the only issue is that we don't have the range of secondhand gear that I see advertised in America or Hong Kong.  It's rare to see a Contax G2 or Hexar AF in a secondhand shop, if at all.  In all the years I've been looking in Melbourne, I've only ever seen a Contax G1 and a nonfunctioning Hexar AF.  Never seen a Contax T, T2, or T3.  So, if I want something like that, I have to buy online.
The last bastion of difficulty I have just surmounted is film.  Film in Australia is stupidly expensive, but I've just found a place in Melbourne which sells film for much cheaper than it goes for in any other shop.  Haven't given them a go yet, but that will happen soon.