As a buyer of limited means who doesn't spend a great deal of money on any individual purchase (less than $1,000 and most often less than $500 per on mostly used firearms), I am fine with a 3 day visual inspection that does not involve tearing into the shotgun's action or allow for taking it out for shooting.
I view such purchases as if I had made them at a gun show and with the perspective of caveat emptor. Thus, if upon receipt there is something that would have made me put the firearm down at a gun show (pass on the deal), I would very likely send it back to the seller. This, however, in practice is often easier said than done, because even when faced with discovering some unknown flaws during an inspection period, I have found it hard not to want to overlook them and keep the gun!
On the other hand, if I were spending several thousand dollars on a firearm, I would feel very differently and I would want the right to fully inspect (including sending it to a mutually agreeable gun smith), and I would want to shoot the firearm to make sure I liked it enough to spend that kind of money.
Doug