Anything that can be done with a Pi will be a cheaper solution than anything that requires additional hardware. (Unless you apply a "time is money" measurement.)
If you have another Pi around, you could always use that to download NOOBS 1.3.12. Might be useful to have a USB stick (say, 16BG) mounted to hold the download and unzipped files, or some other attached mass storage (HDD, SSD, NAS, etc.).
Since NOOBS 1.3.12 was released on 2-2-2015, I don't think I'd want to trust any general retail channel to have that version ready to ship. Vendors will want to clear their existing stock before shipping the new version. For that reason alone, if I had to get a pre-loaded NOOBS card, I would got with the RPFs own store for the next several months.
If your own other system is dying, you might be able to get a friend to download and flash a card. Another route would be to go to a Jam to see if anyone there can flash a card for you.