BikesDirect is the king because of price. If you can't beat their prices (which you can't if you want to start adding the things you mentioned), then you're just another company like Fezzari offering no-name bikes at a price that can be beat elsewhere.
I think Flyte was pretty much what you are describing, but look what happened there. Then again, I'm not sure if Flyte went out of business for a lack of demand or for other reasons.
If you want to compete with BD you're going to have to have prices very close to theirs, and I'm not sure how you'd do that.