Point of order, the Keas do have torpedoes - we didn't fit them initially but they were given a pair in a refit when we made torpedoes standard issue. I would say that Keas (as the budget cruiser) and the Selatchii (as a dedicated combat ship and one of the most numerous and smallest ships in our fleet) are actually the most likely to be chosen for any hasty War Refits.
the Kea, as mentioned, is basically a proto-connie after the torpedo refit, and the ship likely to be filling out the "bulk line Cruiser" role in the coming war (if it indeed occurs), a shield refit would definitely not be atypical at this time.
The Shark on the other hand is small- one of the smallest ships in Starfleet service, in fact-and we have a goodly number of them; refitting at least some of them with new shields and possibly torpedo launchers in the leadup to a war would not be exactly a foolish or unjustifiable expense, even if one expected to retire the class as soon as the war's over, since their small size means that smaller yards that can't build modern ships are able to handle them, and the actual installation is simpler and faster.
So ironically the two ships you picked as negative examples are actually the most likely pair, of all our existing fleet, to receive end-of-life refits!