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But if it doesn’t fit into those categories, your guitar is just a 2020 is acting like a year that wasn’t raised right shirt Guitars are tools, and tools that are used need to be maintained to keep them in shape. Used guitars get played, they get banged on, knocked around, paint gets worn off, parts break and need to be replaced, and things like frets need to be replaced when they get worn down and worn out. In the used guitar market, a fully functional guitar is worth more than one you can’t play, and a guitar with a new (and good looking) paint job will be worth more than one whose finish is worn through.
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All of that is a long, roundabout way of saying this: if your guitar in question is a 2020 is acting like a year that wasn’t raised right shirt then a refret will hurt the value. If your guitar isn’t for whatever reason (not a desirable brand/model/time period, already has condition issues or mods, etc) then it won’t, and you can do things that keep it in good working condition without undue fear of wrecking its value.