2nd loop watchband broke in 3 1/2 months....

The Apple's one-year warranty only covers manufacturing defects, not wear & tear. Regardless, an Apple Technician needs to examine the product to concur that it is a defect. It appears that you had it evaluated by an Apple employee who determined it was not a defect.

At this point, you have a number of options:

• Speak with the Apple Store's manager. See if they can help resolve this issue for you.
• Look at getting a different watch band, either from Apple or another third-party source.

Sorry, but we are not Apple employees here. As such, there is little we can do to directly assist you with this matter. FWIW, I prefer the Sport Loop over the Solo Loop for durability.

Taken from: Legal - Accessory Warranty English - Apple

This warranty excludes normal depletion of consumable parts such as batteries unless failure has occurred due to a defect in materials or workmanship and, damage resulting from abuse, accident, modifications, unauthorized repairs or other causes that are not defects in materials and workmanship.

Not sure a watch band would be considered a "consumable part." Regardless, you may have a valid claim and your band should be examined to verify that this is, or is not, a manufacturing defect. Good luck!