I will pay a little bit more for many things and buy them at REI due to their return policy. You can return anything, any time, for any reason, after any amount of time, and they take it back with a smile and ask "Is there anything else I can help you with?" The dividend is 10% not 2%. So in the end, it isn't that much more expensive, and the service is unparalleled in the industry. I personally know of two people that have done some amazing returns. One gentleman went through four pairs of hiking boots over the course of two years before he found the right ones returning them all after many miles on each pair...REI took them all back with a smile. The other person bought a penobscot canoe (about $1000) took it out and spent a month getting wet (flipping the canoe) and dragging it around scuffing it up, and took it back to REI who gave him a refund with a smile then he bought the camper model and now he is happy. I have been in line at REI and seen people return shoes that were worn out and 2years old without a receipt and they got a full refund/exchange. You just can't beat that service.