Yeah, no, doesn't work that way. I mean, even ignoring that "refit" is not a military term at all, but then I gave up a long time ago expecting anyone on this forum to understand what is or isn't military. But putting that aside, the reason nautical terminology and culture was chosen to be used within Star Trek was to be a frame of reference for modern audiences to understand what the characters are talking about. The word refit was originally chosen because it's something someone can learn from modern day sources to learn what it means. To say "that term must have a different meaning in the future" defeats the whole purpose behind the worldbuilding and why that particular term was chosen in the first place.
I know, I know, Lord Terry, Patron Saint of the Wank and Gene's Holy Prophet is well regarded by a certain crowd, but the only logical explanation for refit being used in the context it's been on Picard is that he doesn't know the meaning of the word and used it incorrectly. Though of course, saying Lord Terry was wrong appears to be hella controversial in some parts these days.