I purchased my D5200 with 18-55mm kit online last year (can't remember the retailer) for £380.00. It couldn't be had in the shops at the time (Jessops, Argos ect) for under £500 so was very happy when it arrived within 3 days and has worked flawlessly ever since. It came with the latest firmware, so no issues.
I’m now after a D7100 which can be had body only for just under £500 brand new delivered (UK stock, no import duties). Again, I’m aware of the warranty issue but didn't want to get it only to find it didn't have the latest firmware and i'm not able to update it..
At roughly £250 cheaper than the high street think i'll take a punt.