I live in England, part of the United Kingdom. We have quite comprehensive customer protection laws and regulations. One part of which says that items should be sold fit for purpose and last as reasonably expected. I wouldn't even consider sending anything back to claim repair certainly within the first few months. My contract is with the retailer and I would expect the retailer to replace, not repair, or refund fully if an item failed within the first few months.
This is borne out of experience, I've had full, no questions asked, replacements and full refunds as long as six months after purchase. I'd expect nothing less.
Unfortunately, many counties have much poorer consumer laws.
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To address the other points: I wouldn't expect the retailer to attempt diagnosis or repair, I'd expect and get replacement with new, or refund. I wouldn't see insurance being considered at all.
As far as cleaning is concerned, I wonder what they cleaned off after 2 weeks or so of use. It probably involved a quick squirt of a rocket blower; thank goodness you weren't charged for the cleaning!!
I'm not knocking your decision, if that's the way your country does business then go for it. Hope it works well for you.