My shops will ask for a deposit but still let you back out if you don't like it.
The 925 is great, the fenders and chainguard aren't all that cool but it isn't meant to be. It is supposed to be a rivendell/ grant petersen/ sheldon dream machine at working peoples prices. I love it, and I have been selling bikes for years. It is nice to have great bike to offer. The only real gripe I have is that the fixed cog looks a little thin, I would replace it with at least a surly.

The toe overlap problem is a hallmark of track bikes, try smaller toe clips. I am suprised that it has tight geometry, but it is authentic.

If it is really bad, run clipless, the tire rubbing on the tip of your shoe is much easier to deal with than on the edge of your clip.