i have a couple local dealers near me that only require a look at my id and writing down my cc# without running it. it's always open box and i'm allowed the speakers/component around a week, but now that I've done a bit of shopping here and usam I pre negotiate the price, often for a floor demo b4 demoing. Components aren't too hard for me to tell apart(or not) , but speakers can take me several months for me to hear their tell and once hears can never be unheard. So, I buy used speakers I think I'm interested in and demo them as long as I need at home. Current residents Kef Blade, some headliners preceded them tho'.
I find the current hifi shops, at least around Chicago are mature and when I describe what I have and where I'm trying to get they are upfront with me by either showing me what they recommend or flat out, but gently suggesting I get out of my own head and start listening to some new music.