Lost web access to Orbi router - RBR750

So here is the latest for me - I need internet for remote work - no downtime or very little.  Since it’s not clear to me a factory reset will work, I dropped another $600 for a “plan b”.

I spoke to another geek and he had the same issue as me.  Internet was fine, just no web/app access to router.  He factory reset his and he never could access the router, essentially it bricked.

So I spent another fortune and will hope I don’t need to open the box and just return it to Costco but I need an alternate plan if this goes so south.  If I brick my router, is Netgear going to compensate me and others?  I’ve been doing IT work for over 40 years, this ain’t my first rodeo and I can understand why Netgear would push security updates (because most users never check once it’s setup) but that isn’t me.  I plan all my patch updates - backup files, blackout plans etc. and to have a forced update without warning is flat out wrong.  Checksum are validated, ensuring download site vs. what is downloaded is good before I start.  Not sure what was done during this update, but geez give me the chance to plan this before NG jams this down my router. 

So I have the firmware that is on the web site staged, will try to factory reset tomorrow morning and see what gives.