I called today and told them I wanted a replacement. No problem. I could either send the broken one back and then get a new one OR pay a deposit (equal to the price of a new one), get the new one, send the broken one back and then get a full refund. I chose door #2. They pay shipping. I think I paid $30 for the warranty - 3 year. Well worth it.
I will lose some movies that I saved but, if I haven't watched them by now, maybe they aren't worth saving. And, I also sacrifice the scheme I had to replace this one with a new Roamio but, I can still do that if/when the new one dies.
Still, I think I came out pretty good on this thing all things considered.