An expensive mistake

I just made one, that is.

Needless to say (but I'm not giving myself ready excuses), I was tired, I bought something expensive and I regret it almost immediately when leaving the store. Now, before you ask further "just make a refund", I regret to tell you that the returns/refund policy where I live is next to none. 

Vaguely remembering there is a "protection" policy (aka insurance), an urgent call to the credit card company was made. Apparently I could return all the things to the insurance company (the broker of the credit card company) and get a refund, but I had to pay roughly 12% of the product's value (it's an exact figure, not a percentage given). I wasn't impressed.

More importantly, I'm angry and beyond annoyed at myself.

It was clearly not a need, I am not going to die if I don't have it in my life. Far from that. It's not the sense of entitlement ("treat thyself") either. I don't know what got over me and I did it. The money (any money in fact) can be put to use in a much much better and purposeful way. 

Now we're looking at 2 options - (1) I can take the products (not send...) to the insurance company and fill in forms to do a refund and suffer the 12% loss; or (2) I can go back to the store to exchange for something else of equal value or higher value, which the difference shall be paid in extra. Selling it away is not an option either.

Totally realizing I'm bringing on more trouble for myself, I don't know which is the better option. It is a very expensive mistake either way no matter how you look at it. It SUCKS to feel like this.

This lesson just serves to remind me (1) not to set foot in that store again (except should I decide to exchange products, which is likely, since I'm not going to use that darn thing if I keep it, it's too painful of a lesson); (2) be very, very judicious in making decisions; (3) leave the cards at home (I brought it with me since I had to pay for a prescription today); (4) I'm going to live just fine without it; (5) I've lost more than just the monetary value here, time and mental resources to ponder and wonder about the decisions made. Frankly speaking it's been a torture ever since that stupid decision has been made. 

Can't let this happen again!