i considered purchasing the 16-35 f/4 from nikon, refurbished, but you get a 90 days warranty . . . and that's it!
At least from Adorama you can purchase an extended warranty. I don't know about Cameta's policies except that there
online service differs from their in-store service. I was in their store once and i overheard a salesperson say that you cannot return an item to the store if you purchased it on line. The customer had to seek redress online. I do not know if i overheard accurately, but if you live near their store, you might want to call them and check that out.