I have 3 windsurf shops within 15 mins drive. One is within 2 mins walk. I also struggle to save any money to buy anything from them, so most of my gear I buy used.
My preference would be to support the local shops if they could make purchasing easier for me. This could be done by them being able to offer interest free time payments, which they could do if the manufactures offered them some way to make paying for stock up front not essential.
At one time, I had an automatic payment going to the shop 2 mins down the road. It wasn't much per month but enough to allow me to buy new gear on a regular basis so that over a period of a few years I had spent a few thousand dollars that I would not have been able to do otherwise....basically an interest free loan.