I'd like to buy some foundation, and can't decide between two of these shades here - and will be looking at her powders as well. What if I buy the wrong color? $43 is way too high a cost to just eat it and I am too lazeballs to go to the mall and try it on.

From the few quizzes I took it appears I have cool undertones (though my sister says there's no way this is true, but the blue and purple wrist veins don't lie, do they?) and I think I would go with the second most fair shade that is supposed to work with cool undertones. Question - if I get the wrong shade, how easy is it to return or exchange? What do y'all do when buying foundation? Do I totally have to go to the mall and try this shit on?