i actually work for a company called csnstores.com. they only sell furniture online, but shipping is free. you cant try anything out, but if you see something in a store, they generally sell it cheaper online.
they also have a ton of futons
i'm in the same boat as you. my 40 gig creative mp3 player just broke, and i got my money refunded. i want to get something 40 gigs +, but there arent many choices.
i'm hoping this article is true. and the 60gb zen vision: m is coming next month...