YOU PAY A 2ND TIME FOR ALL YOUR PROPS!! if u dont press f1 U GET A REFUND ON ALL THE PROPS THAT WAS STILL ALIVE?!?! meaning... YOU ONLY LOSE MONEY. pressing f1 should be FREE. NOT. make u pay a 2nd time for all your props. it only makes sense.
You don't lose money at all, if you press F1 to reuse your props you're paying to restore them to full health, which is cheaper than just outright buying them again.
Actually pressing f1 or not pressing it makes no difference on your wealth, if you don't press f1, you get refunded some money (based on your prop's health) and if you do press f1 you get props for cheaper (again depending on your prop's health) and if you remove those props using the tool gun or undo you'll be in the same situation as if you never pressed f1.