Return Policy/RMA Question(s)

I have been contemplating the purchase of either a 2407/2007wfp and, despite the known issues, and still considering the risk. However I was curious about the experiences you have had in dealing with Dell, while either trying to return or RMA a product. I was curious also as to the return policy;

Unless you have a separate agreement with Dell or except as provided in the section below, all hardware, accessories, peripherals, parts and software that is unopened and still in its/their sealed package or, if delivered electronically, that has not been downloaded, may be returned within twenty-one (21) days from the date on the packing slip or invoice for a credit or a refund of the purchase price paid, less shipping and handling and applicable restocking fees.

Does this mean that you cannot (or at the least are not guaranteed the ability to) return purchased merchandise if it has been opened? It goes on to say:

You must ship the products to Dell within five (5) days of the date that Dell issues the Credit Return Authorization Number. You must:

* Ship back all products you are seeking to return to Dell. At Dell's discretion, credit for partial returns may be less than invoice or individual component prices due to bundled or promotional pricing and any unadvertised discounts or concessions.
* Return the products in their original packaging, in as-new condition along with any media, documentation, and all other items that were included in the original shipment.
* Ship the product(s) at your expense, and insure the shipment or accept the risk of loss or damage during shipment."

I have never really made a large purchase and do not want to buy something that is a known risk if I cannot return it. Lastly, if I were to go with the credit option, do you still recieve the 15% restocking fee?

The 2x07 is really the best option out here for me price wise, but I don't want to get burned. I've seen a lot of negative posts here but I know that most people probably are not posting here, especially if they are a happy customer.

Thanks for any input