Please don't take this the wrong way but I think the Miscrosoft UI design team would disagree with that. The F keys are there for the most common functions used by a user, F1 to get help, F2 for rename, etc and refreshing was identified as a common task and hence assigned F5.basically all this fuss is about F5, a key which you don't really need
Just because you don't really need it doesn't mean that others don't too.
True but that option is only open for those users who are confident or bothered enough to do it.if you really want it changed now you can use resource hacker and edit the (keyboard) accelerator table
As I said before for a product that is supposed to be a superset of Windows Explorer it should at least provide keyboard compatability "out-of-the-box" if it wants to succeed.
Do you have a timeframe for customisable accelerators?