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...
The image below explains the rule better (from the FAA) when I asked them the same question. Essentially for pilots in the US, if you fly beyond the edge of a cliff on a tall hill or mountain, and only if the drone is still within 400’ of it in...