More data:

If you locked at Cashcall about 5/1, your rate was 3.375% for a 30 year conforming loan no cost no fee.

Today, the same rate from Cashcall would be 4.375% NCNF. This is the worst possible time to spook the underwriter.

If rates were lower or similar today, I still might not AOR if I lose the appraisal fee in the process. If there is no appraisal fee to lose (that's rare today) in a falling interest rate environment, then AOR away.

There is also mortgage churning by going after the lender credit for prepaids, but that's not profitable in a rising rate environment. Mortgage churning requires a clean bank account with payroll. So you need a second checking account for the shady stuff.

If you couldn't refi in April or early May due to a very recent AOR, it really did cost you a lot of money to go after the miles and points. The low interest rate train has left the station and is already a few hundred miles away. I would not want to be in your shoes trying to figure out whether or not to lock or not at today's much crappier rates.