The question is more what to do when you find a major issue from let’s say the third or fourth beta, and your dev company tells you refactoring is needed and it

The question is more what to do when you find a major issue from let’s say the third or fourth beta, and your dev company tells you refactoring is needed and it will take 3 months to ship. I feel most people’s opinion in this thread stops at “just don’t be in that situation”