<< As you are not sure yet and as the rest has to be implemented. I would hold off on deciding on a refund for now. Another thing you might want to consider keeping them for is Quests. Regular Quests are harder to earn the 2FC so you would need to consider if you could skip those types of quests and still claim your FC.
Yes, I know. If I didn't have 2 accounts, I would just keep them for that reason. But my other account is still lacking almost all tools. I'm almost thinking I'd rather spend that money to start getting her some trains so she can work facilities. I have to budget. Can't afford all goodies.
But yes, I plan to wait and see for now.