I can see you particularly dislike refurbs, as do most when a new option is available, me too. If you look back to some silly posts by people who bought Apple refurbs, they swear they are better than new. Hyperbole and post purchase rationalization, but there is some validity to refurbs being pretty good from Apple. Reason being, they do test them thoroughly and need to because they give the same warranty for them. Of course new is better, regardless what some people say. But, refurb is not the end of the world. Better than "used" IMO. Who knows what they'll do in a year if your machine is irreparable. If I got back a working machine a year after purchase, I wouldn't really care. It's more annoying of course the more recent your purchase is. I've heard of people getting new machines due to lack of availability refurbs, but more rare than refurb. But in the end, a working machine after your MBP dies is a good thing.
Your normal apps will work fine on your machine. You won't get slow down in editing unless your files get big, and it certainly won't crash for typical files. You may experience the fan kicking in, which in most circumstances NEVER happens on typical productivity apps. I only hear my fan when I play Civ6, which is rarely.
I never say that people NEED to get AppleCare. I say it depends on your risk tolerance and ability to self insure. If you want that excellent service for a couple years longer, get it. If you care more about CYA if it breaks, depends on your financial situation. Chances are you will be fine without. But some people can't afford (or stomach) a potential repair cost or replacement cost. I have it on my MBP, but I don't always get AppleCare. As many have pointed out, if you buy it on a decent credit card, you will likely get your warranty extended by a year for free. I believe all Visa Signature or World MC's have that extended warranty, as well as any Amex because they have all kinds of perks. Credit card warranties are just a pain in the ass to file claims, but at least you're covered. Apple never tries to stiff you or cheap out on a warranty claim with AppleCare.
Edit: BTW, just noticed your username. You have a pair to have a name like that. I sadly admit that I'm a fan too, but it's been an embarrassing few years.