Estimated I have spent thousand$ over the last few years, including buying Software on line. Very rarely have I had a problem with the with the major on-line stores, Renderosity - DAZ - Runtime DNA - Poser Pros, if there has been a problem an Email gets things sortered out satisfactory. Only place I have had real problems is with a Poser Style subscription and I voted with my wallet.
Even buying non-downloadable items (usually software) I have found service and delivery to be excellent with usuall delivery times of a week or so to receive items here in Australia from USA or Europe.