Even in the first 97 days, I don't think you'll get the full amount back if you use the free domain -- that's $9.95. But you could still point the nameservers to your new host, or even transfer the registration to another registrar (after 60 days).
I'm not really sure what you're asking about the testimony part, since you're referring to payments.
If you mean is there a fraud risk with your credit card, then no, they are a very legit company.
Dreamhost is one of the biggest hosts out there, with thousands of customers. Most of them are very happy to be here and many of us have been here for several years.
When something goes wrong, the complainers are everywhere, but that's true with all hosts. The noise just seems louder with DH because they have way more customers than most of their competitors.
Save up to $96 at Dreamhost with ALMOST97 promo code (I get $1).
Or save $97 with THEFULL97.