OK, it's down to the wire now. Thanks, Artie, for letting me know about the drop in price on the computer I want!
Now when push comes to shove everybody, if you were able to buy the Mac of your choice refurbished with a full year's warranty from Apple plus the ability to buy Applecare if you want - or buy a new Mac of the same model open box with a six month warranty remaining (same year and model) and the ability to buy Applecare should you choose, which would you pick and why.
I am going to weigh everything I read and then make my decision today or tomorrow.