I would go no cost or negative cost (i.e. getting paid to do refi). But if you must go with just no points, then I’d roll the cost into the loan as well. But I’m also in the camp that say we’ll see inflation and the $ will be worth less 10-15 years from now than today. So, no reason on to roll it in. The amount is tiny anyways, so you shouldn’t waste too much time pondering about it.