Don't blame you. I usually get all my parts from a local microcenter. Very good return policy. Case in point, I decided to upgrade wifi in my house, and had a router that was a year old or so, but I'd bought their 2 year replacement on it. So I returned it, got a new cheap one that looked ok, didn't like that took it back. Case in point, I'm on router #4 which I'm happy with. For our townhome, I finally ended up with this one.
https://www.amazon.com/NETGEAR-AC1200-External-Antennas-R6220-100NAS/dp/B00QGOQ2BA
I have it mounted behind our tv on the wall, with the antennas sticking up just above the set. Wish it got better range, but you should see the amount of signals around, so I'm sure we probably get a little interference. Not a bad deal though, I've got charter 100mbps for 40 a month, and using the new direct tv now for 35 a month to stream our tv. Local stations on a flat antenna on the wall upstairs. Not too bad.
A friend of mine had a card he'd bought that replacement plan on, 2 weeks before it expired, card starts artifacting. He took it back this past week, and was given 250+ toward a new card because of the plan, so walked with a new r9 480 8gb card in hand, think he spent 30 bucks for the warranty on the new card, but not bad.
However those power supplies can be iffy. I'd be willing to take a chance on that because it's 400 watt and something I probably can't get at microcenter. I was looking, and I can get a 320 watt I think in an off brand. Think I'd definitely spring for the 2 year replacement on that one, and the card, for when the power supply goes boom and possibly takes the card with it.
If it blows up, tell the mom time for a new board, case, psu and fresh copy of windows and rebuild the system in a bigger case with a beefy power supply.