(Go and ask Apple for a repeat download after you lose an album you bought off iTunes, and see what they say.)
As a former member of Applecare (worked for them at two different periods over the past 12+ years), I can tell you that not only does Apple allow for a repeat download, they have a process and policy for it, as well as online documentation that anyone can access and follow the instructions on how to do this process.
Unlike a lot of companies out there, especially in the computer industry, Apple has an extremely high level of customer service with their Applecare program, to the point that some groups who do not recommend extended warranty programs do recomment the Applecare Protection Plan, as it is seen as adding value to an Apple product.
Out of all the potential choices out there that you could have selected for your analogy, you chose poorly. No worries, they are a big name and we are talking about the Internet delivery of protecting IP, so I could see why you selected them. In my opinion, you might have been better off selecting Amazon, however I've heard that they're fairly good with much of their customer service, too.
Hmmm, good customer service equates to vocal customer testimonials, maybe someone should tell WotC about that, too.