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Why would I need to refactor anything in this situation in the first place?

In what situation? If you predict everything correctly, you don't have to, but I was referring that you don't have to have everything designed upfront, since refactor is much easier and safer than in other languages.

I wanted to make point that that #4 is not true.

Is that 1% not true or 99% not true?

Amortizing the up-front cost of design, into a continuous cost of refactoring every time the requirements change doesn’t make the original claim false.

You are still paying the price of rigidity.

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