Digital streaming options for my system are confusing

I don't have someone like you in my area or I would pay for your value. Unfortunately most of us who don't live near a major city are in the same boat.

@OP, 
As a small business owner, I can safely say that what you are asking for isn't financially feasible. As I posted before, our current society is definitely lacking a moral compass and will often resort to the courts to justify whatever behaviour the feel they are entitled to. 
Why would a small business owner open themselves up to this potential aggravation?
And, why should the vendor shoulder this expense?
The big box retailers have volume, and a large bank account backed by a slew of lawyers. 
The vast majority of high end manufacturers might qualify as 'medium' business owners, not large, and do not have the financial reserves to offer such terms.
B

Off track at this point, sorry. The Zen Mini sounds very compelling.

re gnrbob. So you are saying that if you ran my CC for an authorization of the depreciated value of demo gear in case I choose to scam you and keep the stuff) and offered me the same cost for new gear as the on line guys but as a result got me to buy from you that its a bad business decision? The morality question aside... why wouldn't you do this? And if you had vendors that would kick in a box or two for you to demo that got someone like me who has never heard of the majority of these manufacturers to buy there stuff?

If you want to make your $$ back for the shipping offer me a free tech walkthrough to make sure I have my system optimized and then suggest an upgrade somewhere? Seriously? I and about 500,000 other guys who love music would pay $50 for a better cable than I can get my local "magnolia" store....