VA Loan ready for IRRRL. Currently at 6.75. Offered 5.75 without points. Should I do it now or wait? I will not buy points

I just asked for advice on real estate that I was about to spend 19,000 in closing costs on my 430,000 loan to buy points to go from 6.75 to 5.00. I have been… educated in terms of how we are having planned decreases in interest rates, the break even of points not winning out, and the proper utilization of a IRRRL.

The notion that I could reduce my mortgage by 500 got me too excited to jump the gun.

Should I utilize the IRRRL now with the 4k IRRRL closing costs with a stacked 6k on top (for 6k in escrow that I'd be getting back in cash) to increase my loan to 440,000 for a 5.75 which is a 300 dollar drop to refinance again later?
Or should I wait a bit?

I think my emotions are hindering me as for two months I've had two loan officers, a local and one from rocket mortgage keep countering each other with two closing dates not appointed for next week.

It's very close and is all quite mentally encumbering as this is my first refinance attempt.

Any advice please for this E4 trying to do the smart thing?