You sound like you're a well informed, thoughtful purchaser, as you should be given the amount of money involved. I can't answer all of your questions, or even most of them, but I would like to throw in a few comments to add to your pool of information.
It is admirable that you wish to be dealer loyal. Many dealers rely on such loyalty in return for their service. It can produce a good relationship that can last for years. The dealer points you in the right direction because he's familiar with you and your likes/dislikes, and you provide a continuing source of business in return. However, loyalty has some limits. It has to be someone you are personally comfortable with, and whose advice you trust because he understands your needs. He also has to have the equipment you want, at a fair price. There are a couple of people I would gladly give my business too, even if it cost a little more, but they just don't carry the lines that I am interested in, or else they charge way more than the going rate for the same equipment at other stores. Being loyal doesn't mean agreeing to be taken advantage of.
You should absolutely audition the systems that the four retailers are recommending. Don't feel guilty about it. It is their cost of doing business and you pay for it in the markup on high end equipment. However, to take up their time with extensive auditioning and then go and purchase used is pushing ethics a bit, at least if that was your intention from the start. If you were auditioning in good faith, and then it just happened that you found an extremely good deal used, well that's a different story. Your consicence might be bit more clean in that case. Give them a fair shake, and hopefully it is returned to you in some way, either as a good deal or in continuing service.
You mentioned that you are planning on auditioning the systems. If that is the case, you don't really need us to tell you what we think because you will hear the equipment with your own ears. So don't be unduly influenced by our opinions in response to your post. We can tell you what to look for, but since you will be hearing the gear yourself, be confident in your own judgment. Don't let us tell you what is best when your own ears are involved. That's what leads to "audiophile nervosa". We start second guessing our own opinions based upon what others say, even when we hear the equipment ourselves.
Now about your questions specifically.
First question, which system is detailed without being bright. Answer, I don't know. Great answer,...eh. (I'm Canadian so I say "eh" a lot. Perhaps you do too. This is an inside joke amongst Canadians in case people of other nationalities are reading this post). I haven't heard all of these systems. I think the Totems would be ahead of the Paradigms, but I haven't hear the B&W or Quad speakers so I don't know where they would rank.
Second question, cost versus quality due to country of manufacture. Answer, there is no relationship on that point whatsoever. Put the point out of your mind lest you be influenced by an irrelevant consideration. Cost depends on a whole lot of things in addition to country of manufacture. The country could be relevant on the issue of shipping costs to the distributor. However, there are some "foreign" manufacturers in the U.S. which are closer to you in western Canada than some of the Canadian manufacturers are. More importantly however, cost depends on a whole lot of things: economies of scale in production, distributor and dealer mark-up, R&D which went into equipment devlopment, advertising expenses. All of these points, and others, differ from manufacturer to manufacturer. You absolutely cannot assume that two things which cost the same are of the same quality level.
Question three, the comparison between the two B&W's. Can't help you on this one. I haven't heard either.
Question four, bookshelf on stands rather than on a bookshelf. Answer, it's acoustics and speaker performance. Putting a speaker on a stand allows you move it about to the optimal position for imaging, soundstaging, etc. It also allows better vibration control. Putting a speaker on a bookshelf is going to cause resonances in the bookshelf and the bookshelf cavity, and it is unlikely to be able to be moved about to its best position for stereo performance. Why pay for a high end speaker if you're not going to set it up properly? You've wasted your money. Would you buy leather seats for your car and then put a plastic seat cover over it? If you're stuck with shelves, you will have a serious compromise in performance. Another alternative that might be practical for you, depending upon the speaker and your room and furniture placement, is a wall bracket to hold the speaker.
Question five, about the price in Canada relative to the U.S. This may or may not be correct, depending on the particular equipment you're talking about. I refer back to the answer to the second question. Also keep in mind that lower volume sales in one country do not necessarily make it more expensive in that country if the manufacturer sells worldwide. For example, if I made speakers in Britain, the manufacturing economies which I have are in Britain. They don't change if I sell fewer speakers in Canada than in the U.S. Distribution and shipping costs may be higher, but that can be offset by having fewer retailers to service, or by using one distributor for all of North America, or by only selling in a few large markets, etc. So you can't assume that lower volumes of sales automatically means higher prices when you are talking about a multi-national company. It may or may not be the case for a particular manufacturer, but it is not a given in all situations.
I live in Canada too. I think that for the last ten years, a lot of the price differential between Canada and the U.S. was due to exchange rate differences. Also, if you bought British gear through the U.S., you were in effect, paying double import duties. There were duties when the product went to the U.S., which is built into the price, and then you paid duty again if you brought it into Canada from the U.S. I am finding now with the Canadian/U.S. exchange rate becoming more favourable for imports to Canada, that the deals are getting better in bringing in stuff from the U.S., especially U.S. manufactured products.
A couple more general comments. All of the sytems you are facing seem to be pretty good. I think that Retailer 4 with the Sherwood/Paradigm is a bit more downscale than the others, both in amp and speakers. That is not to say that you might not like it however.
Personally, I would choose the Rotel or the Arcam over the Sherwood. Rotel is well know for bringing audiophile quality at budget prices. And both would have good resale value if you decide to upgrade in the future. I've heard both of these. Personally, I prefer the Arcam for longer term satisfaction, but I would not be unhappy with the Rotel. I would probably want to upgrade more quickly however.
Regarding speakers, I'm a big fan of Totem. My taste would be to prefer the Totems over the Paradigms. The Quads and B&W's are not speakers I have heard.
So, in conclusion, I can't offer too much in the way of advice regarding direct comparisons as I haven't heard all of this equipment. Based on what I have heard, I would go into the competition thinking that I would like the system of Retailer 2 (Arcam/Totem). Retailer 4 would be the one I would anticipate liking the least (Sherwood/Paradigm). I would have to hear Retailer 1 (Rotel/B&W) and Retailer 3 (Arcam/Quad) to see what I thought of them.
It sounds like it will be a lot of fun. If the thread is still active when you decide, please let us know which you chose, and why.
It is admirable that you wish to be dealer loyal. Many dealers rely on such loyalty in return for their service. It can produce a good relationship that can last for years. The dealer points you in the right direction because he's familiar with you and your likes/dislikes, and you provide a continuing source of business in return. However, loyalty has some limits. It has to be someone you are personally comfortable with, and whose advice you trust because he understands your needs. He also has to have the equipment you want, at a fair price. There are a couple of people I would gladly give my business too, even if it cost a little more, but they just don't carry the lines that I am interested in, or else they charge way more than the going rate for the same equipment at other stores. Being loyal doesn't mean agreeing to be taken advantage of.
You should absolutely audition the systems that the four retailers are recommending. Don't feel guilty about it. It is their cost of doing business and you pay for it in the markup on high end equipment. However, to take up their time with extensive auditioning and then go and purchase used is pushing ethics a bit, at least if that was your intention from the start. If you were auditioning in good faith, and then it just happened that you found an extremely good deal used, well that's a different story. Your consicence might be bit more clean in that case. Give them a fair shake, and hopefully it is returned to you in some way, either as a good deal or in continuing service.
You mentioned that you are planning on auditioning the systems. If that is the case, you don't really need us to tell you what we think because you will hear the equipment with your own ears. So don't be unduly influenced by our opinions in response to your post. We can tell you what to look for, but since you will be hearing the gear yourself, be confident in your own judgment. Don't let us tell you what is best when your own ears are involved. That's what leads to "audiophile nervosa". We start second guessing our own opinions based upon what others say, even when we hear the equipment ourselves.
Now about your questions specifically.
First question, which system is detailed without being bright. Answer, I don't know. Great answer,...eh. (I'm Canadian so I say "eh" a lot. Perhaps you do too. This is an inside joke amongst Canadians in case people of other nationalities are reading this post). I haven't heard all of these systems. I think the Totems would be ahead of the Paradigms, but I haven't hear the B&W or Quad speakers so I don't know where they would rank.
Second question, cost versus quality due to country of manufacture. Answer, there is no relationship on that point whatsoever. Put the point out of your mind lest you be influenced by an irrelevant consideration. Cost depends on a whole lot of things in addition to country of manufacture. The country could be relevant on the issue of shipping costs to the distributor. However, there are some "foreign" manufacturers in the U.S. which are closer to you in western Canada than some of the Canadian manufacturers are. More importantly however, cost depends on a whole lot of things: economies of scale in production, distributor and dealer mark-up, R&D which went into equipment devlopment, advertising expenses. All of these points, and others, differ from manufacturer to manufacturer. You absolutely cannot assume that two things which cost the same are of the same quality level.
Question three, the comparison between the two B&W's. Can't help you on this one. I haven't heard either.
Question four, bookshelf on stands rather than on a bookshelf. Answer, it's acoustics and speaker performance. Putting a speaker on a stand allows you move it about to the optimal position for imaging, soundstaging, etc. It also allows better vibration control. Putting a speaker on a bookshelf is going to cause resonances in the bookshelf and the bookshelf cavity, and it is unlikely to be able to be moved about to its best position for stereo performance. Why pay for a high end speaker if you're not going to set it up properly? You've wasted your money. Would you buy leather seats for your car and then put a plastic seat cover over it? If you're stuck with shelves, you will have a serious compromise in performance. Another alternative that might be practical for you, depending upon the speaker and your room and furniture placement, is a wall bracket to hold the speaker.
Question five, about the price in Canada relative to the U.S. This may or may not be correct, depending on the particular equipment you're talking about. I refer back to the answer to the second question. Also keep in mind that lower volume sales in one country do not necessarily make it more expensive in that country if the manufacturer sells worldwide. For example, if I made speakers in Britain, the manufacturing economies which I have are in Britain. They don't change if I sell fewer speakers in Canada than in the U.S. Distribution and shipping costs may be higher, but that can be offset by having fewer retailers to service, or by using one distributor for all of North America, or by only selling in a few large markets, etc. So you can't assume that lower volumes of sales automatically means higher prices when you are talking about a multi-national company. It may or may not be the case for a particular manufacturer, but it is not a given in all situations.
I live in Canada too. I think that for the last ten years, a lot of the price differential between Canada and the U.S. was due to exchange rate differences. Also, if you bought British gear through the U.S., you were in effect, paying double import duties. There were duties when the product went to the U.S., which is built into the price, and then you paid duty again if you brought it into Canada from the U.S. I am finding now with the Canadian/U.S. exchange rate becoming more favourable for imports to Canada, that the deals are getting better in bringing in stuff from the U.S., especially U.S. manufactured products.
A couple more general comments. All of the sytems you are facing seem to be pretty good. I think that Retailer 4 with the Sherwood/Paradigm is a bit more downscale than the others, both in amp and speakers. That is not to say that you might not like it however.
Personally, I would choose the Rotel or the Arcam over the Sherwood. Rotel is well know for bringing audiophile quality at budget prices. And both would have good resale value if you decide to upgrade in the future. I've heard both of these. Personally, I prefer the Arcam for longer term satisfaction, but I would not be unhappy with the Rotel. I would probably want to upgrade more quickly however.
Regarding speakers, I'm a big fan of Totem. My taste would be to prefer the Totems over the Paradigms. The Quads and B&W's are not speakers I have heard.
So, in conclusion, I can't offer too much in the way of advice regarding direct comparisons as I haven't heard all of this equipment. Based on what I have heard, I would go into the competition thinking that I would like the system of Retailer 2 (Arcam/Totem). Retailer 4 would be the one I would anticipate liking the least (Sherwood/Paradigm). I would have to hear Retailer 1 (Rotel/B&W) and Retailer 3 (Arcam/Quad) to see what I thought of them.
It sounds like it will be a lot of fun. If the thread is still active when you decide, please let us know which you chose, and why.