No matter how you book it if you get a refund it will go back to the gift card you paid with. It gets messy if you throw out the gift card so don't do that. (And if you do, ultimately after jumping through many hoops they will send your money back to you on another disney gift card, they will never refund you in anything else.) Now, if you pay part on a credit card or something and part on a gift card the refund will be distributed equivalent to each payment method, what was paid via gift card goes back on the gift card what was paid via credit/debit will got back to the credit/debit card.
Therefore, if you get a collection of Disney cards go to disneygiftcard.com and combine them onto one card. Then pay with that card towards your trip and tuck it away somewhere in case you have to cancel.