I've been a Nikon user for 52 years - my experience has been different than yours. They will provide a worst case scenario, but often fix it much faster. I have dropped off a dropped D300 and a dropped 24-70 on a Friday, and gotten a call that the camera and lens was ready for pickup on the following Monday. They had parts on hand to do all the repair. Also, the estimate was higher than what I was actually charged.