I agree that it is highly unlikely for you to get bumped from F class. However, you mentioned two important things - "A class" and "refund." From what I understand, A class is a coach fare (equal to a full Y fare) with an upgrade to F/J class. If you were bumped for some reason, I don't think a refund would be given because you officially paid a coach fare. If you received anything at all, it would be a voucher for a free upgrade next time you fly.
(Actually, aren't there some A fares out there that are less than a full Y now???)
[This message has been edited by Joe Flyer (edited 10-26-2003).]