I bought my first North Face Mtn light jacket in the early 90s. I sent it back about 6 yrs ago because it just wasn't waterproof anymore. They sent me a new jacket and made me a happy customer. I've had good luck with marmot too. I figure the worst they can do is refuse to repair or replace and you might be out 1 piece of worn out gear if they don't send it back. Best case- you get new gear. It's worth the risk to me. I'm too poor to afford cheap gear and I definitely consider return policy when I buy.
BTW, that Mtn light was the beginning of the end of a relationship. My girlfriend got mad when put the money into gear instead of a ring. You never regret a gear purchase:D
Sure glad my wife wasn't sitting next to me when i read your perspective and experience on spending money on gear versus jewelry! she wouldn't see the same level of humor in it as me.
Jewelry is a total waste. My wife loves me. No diamonds involved. Diamonds are good for an abrasive, and a few other things. Other than that they get peoples hands cut off. My wife loves skis and ski gear more than any frickin' "Jewelry. I am grateful for that! BTW she loves her Bogner jacket and would rather have that at $20.00 used than a stupid rock on her finger!