Your p1 will "fall behind" approximately 660 secondary stats asuming 100% purification for the time of saving. Thats not as much as you think. Also you get ahead of the curve because in the long run you get more refines than those using x500 rebates.

Refines are far from efficient nowadays, its better to invest in training potions or any myoboku, no matter what levels you are at in those features.