Reacting like you're not going to get a refund when it's been all of five days? Yes, I think you're overreacting in this situation. This a clear-cut situation regarding the refund (a schedule change out of your control and they were unable to find an itinerary to your liking), so I wouldn't worry at all about it being approved and processed. It's COVID times; flight schedules change frequently, so there's not a lot you can do to precisely plan an itinerary. (And really, flying to the inner mountain west in winter, weather can very easily knock the best-laid plans off by multiple days anyway.) It is frustrating that the reservations agent had trouble with the distinction between first and business, but other than that confusion, the agent has no power to create a flight with an F cabin when it isn't in the schedule. It's also frustrating that they couldn't change just the one flight on your itinerary.