I agree. I feel like it's difficult enough to figure out how all of the new things are going to work that having the hassle-free refund is important. You might hate the keyboard...or the trackpad. It might feel slow for your uses. Who knows what else? Being able to return it feels important to me.
I'm still going to 'gamble' and get the BTO model without trying it out. I trust that I will be able to get used to everything just fine. I guess I just trust Apple's judgement.