I took the OP's statement to mean that shipping charges were too high to warrant buying off a Forum. UPS & FedEx have been raping us by demanding we use the express overnight services "to prevent theft." It was THEIR employees who were the crooks, and as such, they lost money, so they want all the customers to pay, instead of cleaning up their own house of the crooks. They just became legal crooks, stealing our money instead of our guns.
That is why I use a FFL who ships & receives by USPS. MUCH cheaper & it doesn't have to be overnight, or next day.
The next fees are the transfer fees SOME FFL's charge. I've heard of fees as high as $90 per transaction. It the FFL is a small shop & only receives a dozen guns a week or so, it may take them 5-10 minutes to receive the package, open it, & log it in their book. Then to transfer it out, about 10 minutes or so, unless a phone call to the NICS is a hold up. Here in NC,, to buy a handgun, you need a pistol purchasing permit, or a CCW to receive one,, so no phone call is required. Long guns require the call. But in general, even with a phone call, less than 30 minutes for the total transaction. A $25-$30 transfer fee is not unreasonable for the FFL, as he will have between 20 minutes to maybe 45 minutes of his time invested. And if you are not purchasing the firearm from that FFL, as noted, in most cases, taxes are not required. A $500 firearm, at a store will get about 7%-10% in taxes, so you can add $35-$50 in taxes. At that point, a FFL transfer fee is cheaper than an outright purchase.
So, in general, if you shop around for a good FFL who isn't out to insist on using FedEx or UPS, and who charges a reasonable amount for a transfer,,, you can easily figure out how much extra you'll pay for a gun. You add that to the asking price,,, just like you would in a store when calculating the tax.
Now if the OP is also talking about the "greed" of sellers,,, it's a simple equation. You do not have to buy anything you feel is overpriced. We do it daily as normal shoppers. A good example happened to me this past weekend. I stopped at a yard sale, saw an item, new in package, that I recognized came from a retail store. I get the sales flyers from the store & know what I can buy that item for. At the yard sale,,, they wanted more for it than what I could spend in the store,,, even after the taxes. I politely passed on it.
With guns,,, prices have been rising, and I've seen some guns escalate more than others,,, in just a few years. I lament the days I bought Ruger Single-Sixes for $100-$150, and passed on some because they were $200. And that wasn't too long ago. Or at least it doesn't SEEM that long ago.
Deals are still out there,,, even on the Forums & such. You just have to recognize them when you see them.