Now's a great time to refi, make sure you do it for an appropriate time period (as in, if you're refinancing a 30-year mortgage, don't do another 30-year time period...those earliest payments are almost all interest and that's where the bank makes it's money - that's why they don't mind refinancing you again from 6% or whatever it is to 2.75%

).
Sorry to hear that your strength decreased - at least you got a killer pump. We all have those days in the gym.
My ass has definitely been dragging, taking this week off and enjoying some time on the beach with my family.