The other factor is some distributors, like Nikon USA, will NOT service a grey market camera/lens.
So you have to find an independent repair shop to do any work for you.
When I got my 70-200, I specifically excluded grey market lenses, for that reason.
And guess what, my 70-200 had to go in to Nikon service, to repair the VR.
If you have a good independent shop, the grey market gear may be worth it.
My local camera tech retired, so I no longer have my local shop.