The question of buying local or on-line really isn't an either / or deal for most of us. I tend to use both and buy where I can get the best deal. Sometimes that is local and sometimes not. I like the fact that the big on-line sellers tend to have a great selection and quantity of merchandise. If I want 100 Maples, they are the place to go. The local guys rarely, if ever, have even a single silver Maple. If they did, they would probably charge at least $5-6 premium over spot for it. I do buy a few coins here and there but prefer to buy in whole tube quantities or better.
My on-line suppliers are
APMEX, Provident Metals, and SilverTowne. All of these have good features and they often have sale items that are cheaper than anyone else. The recent
APMEX Silver Maple sale at $2.79 over spot is a good example of this. Buying during their sales can work really well.
I also like the fact that SilverTowne will ship their 5-10 oz. silver bars for free. Yes, they charge a bit more per bar for this but they also sell them wrapped in air-tight plastic that protects the bars from fingers, air, and each other. That way, they will stay great looking for many years to come. SilverTowne also does not charge extra for using a credit card, which is nice too.
APMEX is great, especially if you like stacking 90% silver coins. They tend to have LOTS of them and they also tend to have a variety of grades. If you want F/VF, AU, or BU, they often have them in stock and in some quantity.
No matter how we slice it, having multiple vendors for coins and bullion is a good deal for us collectors.