SteveInConverse wrote:
...returns with Amazon...it really couldn't be easier....
That's true... when you buy from Amazon Direct or "Sold by ______, Fulfilled by Amazon".
But is it the case here, where OP is considering purchase from? "SSE Photo & Video" in New Jersey.
Their listings on Amazon say: "Sold by SSE" and "Shipped by SSE".
If you go to the SSE Photo info page on Amazon, it shows their address... and a different business name: Big Easy Camera.
If you research Big Easy Camera they appear to be out of business... Well, at least the domain name BigEasyCamera.com is available for sale.
Looking up by address on Google maps shows yet another business: Power Photo.
Reading some of the reviews of Power Photo... one purchaser ordered from 4K4less.com, yet another business name, but rec'd gray market items from Power Photo!
There are also several disgruntled ex-employees who don't think too highly of Power Photo and posted unflattering feedback.
None of these businesses.... SSE, Big Easy, Power Photo or 4K4less... are authorized Canon or Nikon dealers (I don't know what brand of lens the OP was looking at, but would bet they also aren't authorized by any other manufacturer).
Based on everything I've seen so far...
If it were me, I would hide my credit card and run away as fast as I can from SSE Photo on Amazon (or Walmart, where they also are listed)!
P.S. For some reason, fly-by-night camera businesses are often located in New Jersey. I've always wondered why.