If the ship's mission profile changes, I expect Starfleet to also adapt crew numbers to fit. We have the space to support more crew than the 100 that have been mandated, after all- if the ship ends up being modified to operate outside of its original design envelope then the constraints of that envelope should change too, including staff numbers.
I think you are underestimating how much large institutions like Starfleet absolutely hate having to increase their running costs or manning requirements. This makes such a refIt significantly less likely IMO.
But more importantly, I think this absolutely adds value to the design right now, because there is no single other option we can pick which will increase our ranking by a whole letter grade or more, short of taking no extra systems and maybe getting to an "A" in Ease of Maintenance.