Well, before I purchased my Mavic, I had a Karma but before that a 3DR Solo. The good thing about the Solo and the Karma was that you could replace all of the parts. Especially the Solo. The Mavic...not so much. It doesn't look like DJI offers replacement parts as far as I've found anyway. The motors, both flight and gimbal have an operation life. I don't know what it is and I'm not sure if anyone does. The other question is what defines a refurbished unit? Do they replace the motors, for example? The gimbal? Do you get a new warranty with a refurb from Care Refresh? If you buy one you do.
I plan to use mine before it expires even though would be $130. I crashed my drone within 30 days of buying it and DJI let me buy Care Refresh and pay the replacement fee to get a "new" one. In your case, I would definitely go for the possible refurb. I know people that would rather have a refurb because they go through them at the factory. I don't know but the one I got looked brand new and has worked perfectly for over 50 flights now.