My hard drive failed, I'm still under warranty, but they won't send me a replacemen​t

They say it's company policy.  Apparently, they don't think I'm capable of doing it myself.  If I want them to honor my warranty, I'm going to have to send my entire laptop to them so a trained professional can perform this delicate procedure.
I'd rather not do this.
There's an indeterminate waiting period, a risk of damage during shipping and, if my prior experience with these kinds of operations is anything to go by, a risk of damage during the actual repair itself.  Plus, my warranty is up in a month, so if something does go wrong, I'm left holding the bag.
The reallocated sector count's below its threshold.  The drive's done.  It takes about 5 minutes for anyone to see this.
I've got a friend who worked at Geek Squad.  He mentioned I could bring it to them and they'll help me out even though I didn't buy the computer at Best Buy.  Something about having programs with manufacturers set up, or something.  But the nearest Best Buy is almost an hour away, and his explanation didn't make enough sense to me for me to risk an evening.
Anyone have any suggestions for how I can get my hard drive replaced at minimal cost to me and risk to my laptop?

I've had Dell, HP, Gateway, IBM, Compaq, Lenova, and other computer manufacturer's send replacement drives to users as warranty replacements.  They normally take your credit card number so they can charge you if you don't return the defective part by a certain date.  I can't understand why Toshiba is so **bleep** about this.  I don't blame you for not wanting to send in your laptop to have the hard drive replaced under warranty.  Just get a Western Digital Scorpio Blue from Newegg, ZipZoomFly, or some other reputable online reseller and replace it yourself. 
If you don't post your COMPLETE model number it's very difficult to assist you. Please try to post in complete sentences with punctuation, capitals, and correct spelling. Toshiba does NOT provide any direct support in these forums. All support is User to User in their spare time.

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