Refinements, as I understand them, are a bad idea.
I understand the motivation, but this is not the way to go about it. There's now a new scope all over the place (the set of refinements applied to any given class). This means that the behavior of any given class now can depend heavily on context.
This makes optimization a bitch, for the same reason that it makes programming a bitch. I can now have two Strings, one Refined by ActiveRecord, the other Refined by Sequel, which expose a different set of incompatible methods.