First of all, Apple probably loads the firmware onto manufactured phones before the FW is actually released, but only by a few days at most (they spend a lot of time testing each FW). Secondly, the NYC store is a high volume store, stock is not sitting around for weeks like it is in other stores, so you will be getting the newest stock. I can't accurately say that I'm intimately knowledgeable about Apple's distribution infrastructure, so I'm not drawing any conclusions, but I would be willing to guarantee that you are safe for the beginning of next week at the least. Obviously, sooner is better.