Since you don't need the money, why is the lack of Care Refresh an issue? Just keep using it as you had intended to, if you had been able to get Care Refresh on it, and self-insure instead. Apply the saved Care Refresh cost to any needed repairs...
Got released today for the RC2, so applies to the Mini 4 Pro, Air 3 and 3s.
Can manually change homepoint through RTH screen rather than through menus and other ‘bug fixes and enhancements’
Hopefully you had some identification in the case or on the drone and the honest person who found it will give you a call or send you an email very soon.