I don't see why the repair shop would be obligated to provide a loaner, so
insisting on such a thing would not be reasonable. I think the shop was very generous to offer the loaner. it's an act of good faith on their part. i think it's also a sign of honesty. after all,
they would be trusting
you to take care of
their machine. people who trust are usually trustworthy. people who are too easily suspicious of others are usually not.
i am among those who recommend you accept the loaner.