I go to a brick-and-mortar card shop in NYC at least once a month. I've never purchased a card--they have only had one card I wanted but were only selling it as part of a set. I know that, personally, I would never pay more for a card in a store than I could purchase it for online. Now, if they had something I did want and couldn't find elsewhere, I'd certainly pay the price for it.
Where card shops do get my business is in selling supplies. Whenever I get a card, I go to the store and get a toploader for it. I don't like buying them in bulk and it is convenient and cheaper to get online instead.
Good luck in whatever you decide to do.
Chris
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