You're right, but David got lucky too.
I'm not so sure. I've read other similar reports online.
The only annoying thing about amex return protection is paying to ship it to them which means there is still a small loss.
~$5 to return anything up to $300 is a small price to pay.
Return protection is also for SPG? (or just the gold/plat?)
Yes, SPG consumer and SPG business have it.