Also if you're THAT close to the end of the game refining cards won't matter really the only people left in the world on disc 4 to play cards with are the CC members aboard the Ragnorak and the Queen of Cards herself. You could just refine all your cards and items and not have to think of winning them back.

Also like I said using the various refining options plus monsters you can on disc 3 and disc 4 get all the items available from refining cards by careful manipulation and hunting.