It is almost impossible to pay in person but the Apple Store app offers ability to scan the barcode on almost any accessory and pay on the spot for it without ever seeing staff. I do not have many issues with this model, in fact it makes visits to the Apple Store for the odd cable quite easy. However, I did find that sometimes specific accessories are simply not presented and one must flag down staff to have one pulled out from storage.
It is the repair/service story that has really deteriorated over time and Apple would bode well to remember that although PC vendors need to play catch-up they will eventually become good enough.
I did find Joint Venture invaluable. Essentially it is a Pay-to-Play scheme which allows you to book same-day appointments and access the Business Team (which gives a slight discount).
Anybody remember the good old days when you could have AppleCare send you a box and a return label?