Have I missed something? Do you have a bike shop or not?
This warranty/H&S angle is total total crap. It's price fixing.
Actually it's not, if I say, for example, I correctly assemble a mail order bike and it has a problem, say a part failure, I can be held responsible for it, even for the cost of replacing parts I did not supply. That is FACT as they say.
I now point blank refuse to work on new mail order bikes, the vast majority I see are BSO's anyhow. I'm not sure I agree with the policy of collection only though, if you wish to buy a bike mail order you should be free to do so. Some people are more than capable of assembling their own bike so should be given the choice of how they want to buy.