I wouldn't have a problem shelling out $420, but if you can get it for 420 OTD, I would try that first. The couple/few stores I've been known to buy from around here usually either drop the background check or maybe charge $5 if you buy it from them. Sales tax here in PA is 7%, bringing it up to $450, then add whatever the background check is, if any. Personally, I would have to ponder that for a day or so; but, the gun looks like a nice revolver. If you're in the market for a revolver, I don't think you can go wrong. (I'll spend someone else's money!) That price doesn't look out of line. I'm no dealer, but I'd have a go at it. Good luck with your decision, but it'll last you a lifetime.