Of the ten Bikes Direct bikes I have assembled, I have yet to reposition a front derrailleur, and frequently don't even have to adjust the indexing. I have trued one wheel.
If local bike shops are charging large sums to get those bikes working properly, they are ripping off their customers.
I went through college working in bike shops. I'm sorry to say there are some bad ones out there. I have had to bite my lip listening to the lines fed to customers. Those shops will be all over a mail order bike.
Fortunately, bike shops are usually staffed by great people. If you can't do very basic adjustments on a bike, make sure you have one of those shops.
If you have a good shop, or your skills go beyond plyers and screwdrivers, a Bikes Direct bike is half price.