I called apple support and their is no apple approved way to downgrade to 10.11.3 without backups. The blame should not be on the customer since I didn't back up with time machine but rather just saved the files. So I would have to void the warranty in order to make my macbook pro retina reliable again. Additionally, since it came preloaded with El Captain, I can not downgrade to Yosemite.Well firstly, you can downgrade it. Either clean install 10.11.3 or restore from a 10.11.3 backup. See posts 195, 205 and 212 for details.
Secondly if you want a refund for the free 10.11.4 update, that's a refund of $0.