I've has two experiences - one bad and one good. When I purchased my Focal Electra 1027 speakers in 2007, the dealer where I auditioned them was a jerk. He wasn't ready when I drove 60 miles for our appointment. He ended the session after 45 minutes and wouldn't let me take them home on approval. So instead of paying him $8,000 for them which I was willing to do for his time and trouble (which was very little), I bought them new online for $5,000 from Canada.
Recently I purchased some smaller bookshelf speakers from Upscale Audio. They have a 60 day return policy, no questions asked. I did return the speakers and got my refund (but had to pay to ship them back). I don't know whether that applies to big ticket items but I was pleased with how I was treated.