Imagining if it was my business I'd prefer not to abuse return policy.
I think a lot of the reviewers do just that.
You could call Apple and ask them if they mind you buying one with the intention of testing how well it will run some of your software. If they say that is fine by them, then you are not doing anything wrong.
Also I presume their policy is part of the "Apple Tax".
I returned a new iPhone 11 - because it was loosing its email. Apple returned the funds no questions asked. I did go to a store though, trying to find out what was going on. They had no idea. So in desperation (I was going to Europe from Australia in two days) I bought an 11 Pro instead - which had no bugs in it. With that crazy costly Pro phone , I left my camera gear at home. I took a lot of videos. I've hardly used my Sony full frame since ...
I presume the return policy suits their manufacturing model more than more "open" notebooks - ie ones where you can upgrade the SSD, RAM or the GPU oneself, and change the battery yourself. You cannot with Apple and case is not easy to get into. So Apple are protected there.
When I had my keyboard replaced by Apple, they replaced the whole top of the notebook - including a new trackpad, and a new battery. Just one whole piece changeover.
Other USA companies do the same 14 day return thing - although I think its not always so easy with them. I had problems getting my money back from HP for a monitor that did not perform as their service department had promised it would (I had checked with them a capability which I had to have before buying the monitor).
The risk for you though is scratching the casing, or dropping the computer. I dropped my MBP the day after I bought it and put a slight bend into the bottom of it's thin screen. So you'd have to put in on a desk and leave it there!!!
Apple don't allow you to go to their store and do tests there, do they? So unless you find a cooperative dealer, the only option left is the buy and return one.