Name one other manufacturer that replaces for 3 pixels or less...?
While I would love it if everyone would replace for just 1 dead pixel, Planar's warranty is better than the competition, so its not a HUGE risk or VERY VERY RISKY as you put it. They pay shipping both ways and guarantee your replacement within 48 hours. Name one other company that offers that.
Obviously you haven't researched this very well...
when i bought my Samsung 245BW it had 1 stuck pixel and i brought it back and they exchanged it with a brand new one in a box. Planar doesn't do or offer this. this is why its risky to buy direct from Planar because they will not replace the monitor at 3 stuck or dead pixels and less. this is bad customer service. i only found 1 company who would exchange for a bad pixel problem and that is CDW. the rest are all buy at own risk.