It depends, I'll go to my FFL for a private party transfer and he winds up charging me about $10 ($1 per day it's gotta stay in his safe :roll: )
From a distributor I'll use my local gun shop and $40-60 is about right for me, this still winds up being much, much less than MSRP. I don't haggle too much for it, it's nice having a dealer open late that I can more or less walk to. These guys will order a NIB gun for me at the same cost as one on the shelf just because it's got dust in the action.
Having a storefront with lots of models to pull down and check out costs a bunch, especially in southern California, I've got no problem with supporting my local GS... :wink: