Welcome Yankee Bandit,
I'll try to answer some of your questions, those I can't, I'm sure other members will give their advice and opinion.
I own a Taylor Spencer in .45 Schofield. I have not had any jamming problems. Check out some of the other topics on this forum and I'm pretty sure the jamming problem has been pretty much cured with the newer models of the Spencer. I purchased my Spencer through a local gun shop. I am shooting 200 grain .45 Schofield rounds from Ten-X Ammunition. They ship ammo to your front door. Check with Ken at Ten-X if he can deliver to your state. Your Taylor Spencer will love the Ten-X ammo.
As far as prices go for a Taylor Spencer, the .44 Russian and .45 Schofield caliber models seem to sell at a higher cost than the .56-50 caliber. You can order direct from Tayl;or (for more money) and they will ship to your FFL Dealer, or see if your local dealer can order for you, and maybe get their dealer discount that they can pass on to you.
The Marshal, here at CasCity, is also an authorized dealer for Taylor firearms and you can check with him for a price on the Taylor Spencer.
I enjoy shooting my .45 Schofield Taylor Spencer. It goes well with my S&W Schofield revolvers!
Thanks for joining SSS. Hope you'll contribute to the various topics and let us know how you make out with your Spencer.
Two Flints