I’m pretty sure they have the same refund policy as steam. They also do have a networking system (which I think even has interop with steam – the Bigfoot game tried to use it but it was very unpopular since it required steam gamers to link an epic account but it exists).
Also pretty sure there are cloud saves but less confident on that one.
And yeah, steam streaming and card collecting aren’t really all that important to me in particular, but I get that some people really like them.