Zed my friend, let me break it down so you don't get to much mixed information. You have 4 options as i know right now.
Option #1. If you purchased through Amazon, you can get a 100% refund of you original purchase price as me and Jink have shown through our chat transcripts. The 20% that you're reading about are customers settling for that amount because that is what Amazon probably offered initially not knowing they can get all their money back. But according to consumer law, you are entitled to 100% refund because the product was falsely advertised and does not work as advertised. Thus misleading the consumer.
Option #2. If you Purchased through Newegg, I am reading that they are giving 10% back.
Option #3. If you decided to keep the card as is, you can get $30 from Nvidia when they finish with the CAL
Option #4. You do nothing and get nothing.