Ok Steve, I tried to break this down for you, but you just don't seem to be getting it....
Listen up all you other newbies. This advice will serve you equally well.
<sermon>
1) Do not make the mistake of taking anything you hear from an LFS employee as gospel. For every piece of advice you receive from anybody in this hobby, go and find at least two more senior hobbyists to concur the point. Research, research, research!
Nobody on Earth has this hobby completely figured out. People with 20+ years experience still crash tanks, and they still occasionally kill livestock. That's an unavoidable fact.
Many (most) of the lessons we learn in this hobby have financial impact. That, again, is an avoidable fact. As a newer member of the hobby, these lessons are often more painful. Neither Skip, Chris, nor any other LFS employee owe you the value of their experience. They offer that as a supporting service to the sale.
The kicker here is that you didn't get poor advice from Chris. You got sound advice, and it doesn't sound like it was burdened with a sales pitch (again, quite rare. Many LFS employees will "tilt" their advice toward the likelihood of making the sale).
In my opinion, You could have kept the clown with the FrogSpawn and everything would have very likely worked out just great. As to the quality of the resolution, you are frankly lucky it was ATR you did business with because there are only two stores in town that would have given you any recourse at all: ATR and AquaTouch. The rest of the stores in the valley would have just said " you bought it, you deal with it"
2) If you have issue with the way a store employee or manager handled the finacial end of your purchase, take it up with them, or in the abscence of resolution, the Better Business Bureau. Don't come onto an online forum trying to rally support, because these exercises always backfire. If everyone on this forum shared your viewpoints about ATR, they'd have no customers, and they wouldn't be in business. The fact that they have many customers and are one of the three most successful stores in town indicates to me that your experience is isolated, and not indicative of the overall quality of the store or it's customer service.
Skip is very well respected on this community for his experience, and his willingness to work with people. After re-reading all your posts in this thread, you simply sound like a bitter person to me. I just don't think anything can be done to make things right in your mind. If Skip and ATR don't meet your standards for retail customer service, then it sounds like a prime opportunity for you to go out and open a competing LFS so you can show them how it's done. Put up, or shut up.
If I were in Skip's shoes right now, I'd be very pleased with the effort I expended to make things right by you, and I'd also be considering hanging up my "we reserve the right to refuse service to anyone" sign.
Enough with the victim mentality already. Being a newbie does not make you a victim. Your own unwillingness to accept any responsibility for your own decisions makes you a victim.
</sermon>