I went ahead and took the majority of people's advice from here and bought a refurb. It has not worked out so well.
The laptop came and wouldn't make it through the set up assistant. After 11 days so far, 2 trips to the apple store, more than 8 calls to Apple, and A LOT of time on hold (more than 30 minutes at a time), they decided I should exchange it.
If I had bought a new one (from either the apple store online or the apple retail store, I could have walked in to the apple store and right back out with a new computer in hand.
With a refurbished computer you have to jump through a lot more hoops, wait for them to send you in an RMA, mail it back it in, and wait for them to send another computer.
Apple may resolve this, but It's going to be at least 15-20 days before I have a working computer. That's a lot of time to lose.