Having just 3 refund tokens can suck pretty hard. We buy champions we think we like all the time, then it turns out they just arent our style.
I think that it would be wise to make it so that, every 5 champs you buy for either 6300 or 975 ip you get 1 refund token. That way you still get your money and we can refund that one ****ty champ. Any feedback would be nice.

Trying to piss off Riot's accountants, aren't you?
I think it's generous of them to give any refunds at all. Personally, I believe you should always wait until a champion's free week to put them to the test and make sure that they are your style before buying them, or wait until the patch following a champion's release to make sure they are someone you will still want to play after balance changes.

TL;DR: Buy smarter.

i think 1 refund token a year should be more than enough, if they decide to give us more

It is nice of them to give the refunds but u play a free champ for the week love him then 2 weeks later they nerf theh ell out of him then your stuck with a soggy noodle champ.