Yeah... true to all...
I find it...like this, for most PC equipment...
hard drives: they semi-frequently have rebates on these, that makes them as little as 25 cents per GB. I bought my 200 GB Western Digital at Office Max for $50 (after rebates), a year ago. This doesn't work if you want the fast/best of the best 10k RPM, however.
cases: a LOt of stores in town sell them very cheap, but unless you want a common case--you can't get what you want, so just look on the web
water cooling: around here, there's a small computer repair shop in town that sells them very cheap--I've not looked anywhere else!
fans/other light-weight and cheap items: well, they're everywhere except places locally :P They try to rip you off so much around me. the only thing to do here is buy them on the web, and order them in one bunch--or look for one fixed shipping price. That really adds up, especially when you consider how light they all are!
graphics card: I've seen a few rebates for these, but never the best. occasionally sales, but not that great; Froogle seems to turn the most results for the best price.
processor: Hmm, no local store sells these for discounts beyond what Newegg has, lol, again Froogle!
memory: the web...Froogle:P Even newegg has -ok- sales on them now and then, but just look around (on the web)
monitor: depends what type you're after. the local shopper has quite a few -really- cheap, but they are 1) used and 2) usually not the best, but you can't get that for dirt cheap
drives (Cd/3.5" etc): the web, again... I used eBay for a recent PC I put together for a friend, it was a lot of "old" drives (3 weeks, and I couldn't tell they were touched..hah!) it ended up being $22.98 with shipping... 1 58X cd-rom, 1 52x32x52 cd-rw, and 1 24x2x4 dvd-rw/cd-rw combo. a real deal :P
I buy stuff constantly, and always go for the best prices--I just build computers for locals (usually friends, friends of friends, family etc.) and charge 1/50th of the retailer's price...still making some $! (ok, not 1/50th, haha)....but you get the point.
It's all good!