Yeah.. It's only 20 MSP but if I don't like what I'll buy there's no refund like with physical stuff. x_x
20ms points is hardly going to break the bank though. Hardly appears worth it for 100ms points, chances are you will have purchased something in the past anyway so would be doing this on a new profile. You would then need to spend more cash / points on something anyway as there's not much you can get the 100ms points.