To provide a counterexample: I had a still-in-warranty EVGA 1080 that had a fan die. They cross-shipped me 3(!) bad cards in a row that were clearly returns they hadn't tested (two had obvious physical damage upon arrival in pristine boxes), and on the final card that sort-of worked (a 2070 I had to underclock to stop blue-screening), never acknowledged my return of one of the previous bad units, even though I sent them shipping proof from the UPS store.

When I tried to get the 2070 replaced, they refused unless I paid full retail price for a defective card I had proof I'd returned.

I really regretted buying from them at that point, and wished I just had my original card back, which they couldn't provide.