If you were at least on the fence about it then I'd say the policy is there to help customers not get burned by buying something they might want to return.... but this sounds like you've committed to both buying and returning of this card already before you've even gotten your hands on it.
I would be very much against this train of thought because if everyone made use of the policies which exist to protect legitimate customers then stores will start to suffer heavy loses because of them and then remove the protection which will cost the legit customer who needs this sort of policy to be in place.
TL:DR - Don't abuse good will policies, they are there for legit reasons, not a quick "lend of a graphics card/ps4"
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