I'll give you my take on it because I believe you, OP, are asking fair and legitimate questions. I bought a Vortex RZR HD Gen2 for my match rifle partly due to the fact that Vortex has a "No questions asked" warranty. Part of that reason is because I know my Match rig is likely to get dinged, scratched, banged around due to the competition nature shooting off of/through/around barricades more than any of my other rifles. Shit happens. Everything can break. All scopes can break. I'm a professional student on a very tight budget. This sport/hobby/lifestyle (whatever you want to call it) is expensive as fuck. If something breaks I have such a tight budget I don't want to have to put up the extra money to pay shipping to/from, repair costs, etc. to fix a scope. The Vortex is perfect for my needs and does exactly what I want. It's not S&B or NF or Kahles crisp but I didn't buy it expecting it to be. Vortex HD line is great, and is only a minor step behind the top tier brands in glass quality in my opinion. I bought it because it still meets my requirements for reticle, glass, turrets AND they have a no questions asked warranty. I've heard of other companies offering something similar to Vortex (Nightforce and Leupold mainly) but it's not as clear and easily navigated as Vortex's so I didn't want to chance it.
Every top end manufacturer will back up their optic if it breaks during regular use. A match would be considered regular use.
No manufacturer can afford to have people all over the internet saying “my turret came off when it hit the side of a barricade I was using and they didn’t fix it.” This is not negligence on the shooter and the optic should take it.
Dropping it down a mountain, dropping it on concrete, driving over it, etc etc is a different story.
Higher end vortex optics are very nice and if they work for you that’s awesome.
However, buying them solely for the no questions warranty is buying into a marketing gimmick.