@cathyh Thanks for reaching out with your question!
You care correct: if you do not live near an REI store and your only option for a return is to mail it in, you are running the risk of having to pay the shipping to return it if it is not a good fit. One option could be to ask the community here if anyone has experience with the fit of that particular jacket to see if you could get some more insight before committing to a purchase. We recently had a customer from Ecuador ask a similar question in a post, Can someone help me with the fit of the Salomon X Ultra hiking shoes?, because they ordered the wrong size and want to make sure they have the correct shoe before ordering again. We are hoping they get the assistance they need when making their buying decision.
Hopefully this helps, thanks!