I too don't understand why "Open in Terminal" is on the Windows 11 right-click menu, but not "Refresh"! How many of regular users are going to even understand what "Open in Terminal" means?
Also, not everyone is familiar with keyboard shortcuts (like F5), and I too struggle with the Fn lock on laptops. The Win-11 right click menu does NOT tell users what button to click to achieve something, so keyboard shortcuts are not a good suggestion for somebody getting up to speed with an updated OS in my opinion, if one has to remember it is F5 to Refresh and not F9.
Here is a suggestion to Windows developers:
Make the right-click context menu user-editable; something like the 'Startup Apps' in Windows or more like the Bookmark Editor in a browser, maybe? That way end-users can order the menu options to suit their individual needs i.e. have the most frequently used menu items on the first right click, and have everything else in sub levels like 'Show more options' or a user created sub-level.