Mike, I don't understand a few things.
Why didn't you do the test drive first?
Also, if you had a newer VZ phone, you could have popped in that TMO sim and had a half-judgemental viewpoint of TMO. My wife switched from ATT. She loves it. I popped in the sim into my note 3. I didn't have the best coverage. Granted, I was missing a band that she had, but, even us being together and going to some of those places she'd drop to E while I was still LTE.
Finally, the return fee should be only $50, and not $75. Dunno if it's because you could have bought the phones from a 3rd party source that made it higher though. You might wanna call customer service and alert them about that. They might waive it for you.
The one thing about TMO is that they WILL waive stuff. The thing I still loathe is how I tried signing up for TMO last year via a rep on a message board and he bofangaled all my contact info up! Then, my phones were backordered, BUT, my bills weren't. So, I was racking up hundreds of dollars while waiting on stuff I never received! Took various phone calls, but they finally zero'd me out. Even sent TMO a letter to remove the hard credit pull and they did. I apperciated that..