I've had very good luck with refurbs on digital cameras and computers. With a 30-day return and warranty, I don't see much risk.
I bought the DJI Care Refresh option for my first drone, and it made me feel better while getting comfortable. I'm not sure I'd pay for it on a future drone. I developed a lot of confidence in the performance and reliability of the drones themselves and I realized that almost all "fly-aways" were the result of pilot error, usually something basic like flying until the batteries were depleted. I realized that the drone wasn't likely to go whizzing off without me giving it a reason. I often fly over water and dense woods and marshes. The DJI Care Refresh package loses some of its value to more because it does apply if you can't return the drone or a sack full of broken pieces. Look at the details of what it covers and check the fee for a replacement; it's in addition to the initial cost.
You might check into State Farm or another insurer if you have a homeowner's policy. Several people here have reported getting good coverage for $60/yr or so.
The Mini, Mini 2, Air 2S, and some other DJI drones are sold in a couple of packages. The basic option provides the drone, controller, one battery, cables, and spare props. The DJI Fly More Combo adds two more batteries, a case, more spare props, and ND filters. You can see the detailed list of items for both options on the DJI website. Here's the page for the Mini 2: Buy DJI Mini 2 - DJI Store. The biggest advantage of the Fly More Combo is the two additional batteries.
When you're looking at DJI Minis, be aware that there are three versions. The original Mini, the Mini 2 (better performance, better camera, more features) and the Mini SE (bare bones version).
