I look at it this way:
Companies with generous return policies is both good and bad for the customer, depending how you look at it.
Good, in that you can return anything your not satisfied with (like Swattie, I abhor taking advantage if you ARE satisfied, but ok if you're not).
Bad, in that losses from the generous return policy are built into the upfront price. So you typically get a lower quality product for your money, and end up having to use that return policy.
For someone like me, there are no physical Bean locations that are convenient to me. Hence, on "borderline" cases where I'm sorta satisfied, I end up leaning towards no return, because returning would be a hassle. So I'd only use the policy on egregious cases where a wader leaks out of the box, or within the first 6 months or something. And frankly, in years of buying waders, I've never had that happen on any brand, including basement brands like Hodgeman.
Basically it boils down to getting a slightly inferior product for the price with a bit of an insurance policy against the improbable.
I do have a pair of Beans, they're my backup waders now. Lasted 2 years before first leak, which was a little below the 2 1/2 years I'd expect from $250 waders ($100 per leak free year has always been my mark for all brands, with very good accuracy and repeatabillity). I attempted to patch up pinholes with partial success and retired them to backups before minor leaking turned into a flood. They're still wearable in a pinch, and see use on brushy streams to avoid tearing up my good waders, or on invasive riddled streams like Spring Creek. Didn't love them, didn't hate them. Satisfied but not thrilled. Probably wouldn't buy them again.