this Floridian appears to do both breeding and adoptions, and (s)he's a member:
http://norwoodchinchillas.webs.com/
i just got my Jonesy a few weeks ago, and she's +3 months old, but there's still a lot of baby-worry involved. even little things--does she not like that stick, or is it just too big for her to hold onto?
Bo, Luke, & Daisy were my degus, (fixed) siblings adopted at 1 yr. old, and they were a lot easier--less needy, less worrying, and of course, pre-bonded to each other from birth.
my dog Hank was 6 months old, on clearance, roaming around a pet shop freely while his post-mange fur grew back when i got him, and he was a sweet-natured, untrainable delight his whole life. (i know--i'll never go in a store with puppies again, but i couldn't just LEAVE him there!)
but i have to admit that in spite of all the fretting, i'm enjoying the way every little thing is a new discovery for Jonesy and getting to be a part of that this time. i have always advocated animal adoption and i'll do it again, i'm sure.
ultimately, i think it's all about what's right for you with where you're at in life. i'm pushing 40 with no kids and no plans for any, and for me, a young chin was the right choice this time. but you might see a pic of a rescue and feel your heart break and just know he or she is The One.