I too try to steer away from chain stores. I'm not saying they aren't any good, but I think a lot of it depends on who works in the department. Colesea seems like she runs a pretty good store, but in my locale, they don't come close to ideal.
Descriptions/impressions of my local fish providers, in order of crappiness.
7. Wal-Mart (location 1)
What a joke! Every fish they carry has ich. I was evesdropping on a conversation yesterday. It was very apparent she didn't know what she was doing. The customer was leading the conversation, who didn't know much.
6. Pets Plus
Been there one time and I will not go back. Fish are an afterthought there. Ghetto store, but at least their fish didn't have ich. Cheap flea market quality supplies, overpriced and understocked. Need I say more?
5. Wal-Mart (location 2)
Really not a bad place. The lady that runs it cares for the fish really well, and is fairly educated. I like her, but there are too many other hands that dip into the water when she's gone. I once saw 20+ goldfish in one small bag...
4. Petsmart
The only reason that this place get ranked above the previous Wal-Mart is because of selection and warranty. The staff are nothing but kids who know jack shit about fish (maybe except for their own goldfish bowl at home). The fish here usually display signs of ich, with a few white dots here and there. They say they treat them, but I find this hard to believe. Heh, one time my buddy was getting some fish from the top tanks. The salesman was on a ladder and dropped 3 of them on the floor (yes, an 8 foot drop landing smack on the hard floor), and then he wanted to give him those fish! I could go on all day, but that's enough...
3. Hi-Tech (ma & pop store)
Awesome selection of rare/hard to find fish and cichlids. They have some nice planted display tanks as well as reef and saltwater tanks. They also have a 1500 gallon tank with a shark of some type (looks like jaws to me, i dunno much about sharks). Comes with a $1500 price tag too! Excellent prices, just as cheap as a chain store. Great plant selection also. The employees have been working there for a long, long time. The only problem with these guys are they are moody as all get out! The owner is always looking like he's doped up on Valium. You have to come on a lucky day to get friendly service.
2. Aquarilease (ma & pop store)
Great all around store. Nice display tanks and layout (of the general store). Equipment up front, tanks in the back, all black! Average selection on fish, but they can special order fish for you. This store gets my top honors because of their super-friendly, knowlegeable staff. The owner is got to be the friendliest person I know (for a salesperson). He will stop what he's doing and go well out of his way to help you. Overpriced equipment, but I shop at Big Al's, so no love lost. I'm planning on buying a 125 gallon or so tank there, so that should make up for it.
1. Private breeders
Best way to go to get fish. You know the history of these people and their fish, so you know they take care of their stock. Money rarely changes hands, unless they have something that is worthy of money (like Discus, etc).
What about your shops?