Brick and mortar for me is minimum 35 minutes (small town Lowe's & Menards), 50 minutes to Home Depot or larger Lowe's. About 3 hours to the nearest Rockler or Wood Craft. So--online, Craigslist, word of mouth in a small town are what i do for the most part. In the past year i've been able to pick up over 1500 bf of cherry, poplar, oak and ash for about $700 just putting out some feelers.
For tools--with the distances above, minimum fuel cost to pick up is nearly $10, most likely $15-$20. That makes shipping charges look better, and i don't have to take 2 hours to go to a store, shop and go home. Most of the time what i order gets here before i even COULD have taken the time to drive--especially Amazon.