In Frank’s situation, I would lean toward the first option of getting a written “developmental critique” or “manuscript assessment.” While a sample edit would be helpful in determining whether this person would eventually be a good choice as an editor, I believe the critique on everything written so far would, for most authors, be the most useful for making course corrections before completing the manuscript.
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Your last point is actually raising my eyebrow in the sense that no one ever wants to make a newbies his/her editor.But the newbies can actually have some creative editing style which the experienced one still havent gotten..A case study is the people who work in the government house or secretariat, the same way in which they draft a letter in the 90’s is still the same way they are still giving it now.But giving newbies a chance to explore their creativity can bring about great and effectual changes..
Second, consider getting a critique before you decide whether you need to pay for a full copyedit. I (and probably many other editors) will read your manuscript and write a several-page critique for much less than the cost of a line-by-line edit, and if your mechanical skills are reasonably good, this may be sufficient to help you get it into adequate shape for your publication plans.
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When you’ve found someone who seems like a decent candidate so far, make first contact. (The contact form on the website is fine as a first step.) Introduce yourself and state what you are looking for (a developmental critique, copyediting, etc.). Give a very brief description of your project, including its genre and approximate length. Give an idea of your planned next step and any deadlines (even if only approximate ones). For example, have you already signed a contract with a subsidy press for publication next fall? Are you planning to submit the manuscript to publishers and/or literary agents after editing?
Regarding your last question, I know of no editor who gives a money-back guarantee for occasional errors that happen to slip through or for a different opinion by a later editor. I’m afraid such things are just the nature of the publishing beast. But by having a shorter portion edited first, you will get a decent feel for whether someone is the right editor for you, and will be able to be confident in his or her work on your entire book.