It would appear that Ryanair is not going to offer any refund options as from November. I believe you will still be able to modify your ticket however, and if they cancel the flight I believe in this case you will be entitled to a refund. Saw a rather tense interview with O'Leary, where he lambasted the interviewer for quoting nonsensical tweets and messages from people who haven't been refunded yet...he said that all refunds had been processed.