If you can put it in you can take it out.I keep hearing that OWC will come to save the day. Touch that "stock" drive in your pricey machine and the warranty is dead.
Extremely unlikely as they'll be soldered in (a more reliable connection). I think Apple offers flat rate repairs (trying to find out specifics on this) but even then, it wouldn't be a machine is trash moment by a long shot in your example of 13 months.What about RAM dying after the 13th month? If no AppleCare that's a complete motherboard change. May as well chuck your Mac into a dumpster.
That said, I wouldn't order a machine like this without AppleCare. If you keep it in mind it can be quite easy to get your money's worth out of it. At least if you use the laptop very heavily.