Tires have really come up in price in the last few years.
You made an excellent observation- by the time you buy tires, get them mounted and balanced at a local shop, you could have nearly bought tires at a local shop. Plus, at least around here, when you buy tires, the shop fixes flats no charge.
Shop around for tires, I call tire shops and price before I buy tires. Some places will price match, so if you prefer to do business somewhere, find your best deal and take it there.