They charge the full amount to your CC in case you walk off with the tools, if you were to walk off with them then you just bought them. Once you return it, then you get the full refund back. I don't know it's not rocket science to figure it out, why they do it this way.
Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.