First of all, one need not "use an item for a year", one need only "own the item for a year"; I think that's a huge distinction. Sometimes that use may be very small over a year, such that determining whether the item suits your needs or not isn't determined. While I can adjust to REI's change (one way is by not buying there of course), one reason I like buying from REI is that I don't have to worry about figuring out whether the item is perfect. I have returned a grand total of 3 items to REI over the years, but I liked the policy as "insurance" for the purchasing decision.
In any case, here's one example along the lines you asked: you know those cheap camp chairs, that cost $5 or $10? Like
this? That sometimes last a while and sometimes break the first day you use it? Well, on the advice of a friend I purchased an expensive one from REI, for $35 or so, figuring that I was insuring against such breakage. That if the chair broke 2 years later, I could return it, knowing that if the chair lasted a long time I'd be happy with the purchase and not return it. Which it has, the chair is close to falling apart now but it's been years; it was worth the money and I wouldn't dream of returning it. But when it finally "dies", I won't buy a chair like that from REI again, because if I do and it breaks in year 2, I don't want to have to argue that it was defective in order to return it. I'd rather just go with buying the $5-10 chairs over and over.
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