I've seen some *A carriers post fully refundable fares - after a small fee. OZ charged like $30 to refund a ticket - a sort of administrative fee.

If possible, try to find fares that are based on the same fare rules. Otherwise, the most restrictive fare binds the whole ticket - even if combined with a refundable fare.

If there are any questions after reading the fare rules, it's best either to call the airline or a reputable travel agent.

One thing that can help is to check the rules on a full fare ticket for your class, such as a Y, C/J, or F ticket, and compare it to the fare rules you're looking for. You'll see where the fees and the snags are in the rules then more clearly. The Y/B, C/J, and F tickets are going to be your fully unrestricted tickets, with minimal, if any fees. Anything beyond that starts adding in more restrictions depending on the hierarchy for a particular airline.