If you choose to buy out of state, it has to be shipped to an FFL within your home state. When I was in the same spot as you, I found an FFL near me that was not in the business to make money (he's actually a Pharmacist) & sold firearms at $20 above his cost. He keeps his FFL status active so he can take advantage of special deals for himself since he is a hunter & a collector. So, I ordered my G19 from him & got what I thought was a very fair deal.
Look around... you may find a licensed FFL near you that can offer you a good deal. It does not necessarily need to be a big outfit where you make your purchase. I'm not sure where in north Jersey you are located, but the FFL I used is near exit 120 on the GSP.
G1-Niners Club #0007