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Rick, I've had less than stellar experiences as a retailer, and dealing with retailers. They always want to pass the cost on, and never want to be responsible for the device, only the plan.
Remember I worked at a radioshack, thats how I know ATT, Sprint, and Tmobile. I'm familiar with how all of them handle issues, and its not great.
I did not buy my phone through apple, I bought it through our ATT corporate contract. Yet when I have an issue, I take it to an apple store, similar to if I took a new car to a dealership for warranty work. My point is that apple has a very user friendly warranty system in place. They don't hassle you, they just make it right.
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