Rick Potter, thanks for the tip. I have never had a credit card so I doubt I can apply for the first 3 but the preload card should be doable, if they consider me enough of a business to get it, and would provide the cheaper shipping. I looked it up and I am only 45 miles from the nearest Lowes so I am well within their regular delivery area. I'll have to ask next time I'm there if I can get that card.
Jim Becker, the local lumberyard is only 6 miles away, and offers free delivery within 15 miles. So far I've only done cash and carry there as I was in a hurry to get the things I needed, but in the spring it will be easier to plan further ahead. I'm not planning to buy most of what I need there since they were about 20% higher on average than Lowes or HD for framing lumber and CDX plywood, but when I needed things fast it was nice to have them right there.