I bought mine at SFDL for 40$, and since I have had one a previous year, they sent me an already processed pass with a photo so I don't need to visit SFDL first, or at all for that matter.... my brother lives 10 min away from SFMM, but since he used to live in Buffalo, they sent him an SFDL pass to him and it only cost hm 40$ for his "SFMM" pass. =)
Heck, buy a plane hear and re-new, then for all the future years you can keep paying the SFDL price and the will keep sending you an SFDL pass, heh.