I think that largely depends on who you speak to at Ruger, and to a lesser extent what the problem(s) are. One customer service rep told me that they wouldn't pay for return of a gun over three years old. I told her that I know that isn't the case, because they had previously paid the shipping on a 10 year-old gun. She still declined, so I didn't return the gun at that time. A few weeks later I called and spoke to another customer service rep, who told me that the same problems were considered 'elective work,' and they weren't accepting any until after May 1st due to their backlog.
The gun in question is a supposedly collectible 'SASS Mistake' Bisley Flattop .44 Spl 7-1/2". The grip frame was essentially NOT fitted at the factory before the gun was blued and shipped, and frankly, it looks like hammered dog poo. This is one of the last batch, the 'clean-up' guns, the last 30 or so made out of 124. I've seen one additional specimen of these cleanup guns, and it looks even worse than my example. Let's just say that I'm not favorably impressed.
I ultimately decided that since I was going to have to pay shipping anyway, I would send it someone other than Ruger, who could be counted on to perform the work correctly, the first time. I guess they're obviously more concerned with quantity of production rather than assuring that most of what they send out the door isn't ultimately returned for factory repair. Anyway, the additional 123 examples of this gun just became marginally more "valuable and collectible," because mine will no longer be in the original configuration.