Just a follow-up here that GearTrade did indeed make things right and allowed me to return the ersatz jersey for a full refund, even shipping it back at their cost. So aside from some time and angst on my part, they did the right thing.
I've bought many hiking/camping/backpacking items from them and never had any problems with those. But whomever they're paying to process their returns isn't an expert on cycling clothing.
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