Thank you, Jaime, CarolS, Suz, Sally and Janet!
Suz, re: Simons, I usually order online as the closest store for me is on the other side of the city, in Mississauga. Deliveries are fairly quick. I return through Canada Post which is free if you're a Simons member (also free to join, but I don't understand why one wouldn't join, maybe privacy?) You can track your package and can look at your returns online. I do try to make a note of making sure the refunds appear as a credit on my credit card. Since 2020, I purchased 12 items (2 items were duplicates for sizing), and I kept 3 things. The ones I returned were because of fit issues/style, and 3 red/burgundy tops as they weren't the shade I desired. The quality of items depends on the brand, fabrication, etc. They seem to have lower-quality items all the way through to designer, so I would think it would depend on what you were looking for and choices.
Shopping B&M, the last time I was in their store was a year ago. I was pretty much left on my own (similar to The Bay). No Sales Associates approached me, even though they were around. (Not sure if that's good or not!)