REI's return policy is second to none. I'll pay a premium every day to have access to a no questions asked return policy!
I think there are limits to the policy, I've only heard of it online, I would never push the limits myself. For example, at first they said their Master Tech was going to look over the bike for misuse. I could see that if there was clear evidence I had been in an accident, they would not have repaired it or allowed me to return a damaged item. Because ordinarily forks and frames are covered by a life time warranty, they did replace it free of cost.