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You would need a GOG account and a paypal/credit card where with a torrent you just go to your favorite site and download the game.

I expect it'll work like Audible, where the first two or three returns can be done yourself and take effect immediately, but after that you need to call Audible support and ask them to return it.

Having both pirated GOG games and then later bought the same games because I liked them so much, I can confirm it is easier to pirate games. GOG is DRM-free, which is excellent when playing the games because it doesn't suck up megabytes or even gigabytes of memory (for DOS-era games), but when it comes to piracy you can just download the installer executable and run it without any problem whatsoever. No torrents are even required, you can just download the EXE through HTTP(S) on most sites.

I've had less problems pirating GOG games than I've had playing legitimately purchased Steam games.