The problem is that for a new listing, chances are good that if guests wanted to nitpick about something, they CAN find issues that are suspend-worthy.
For me, I pretty much do give refunds (partial or full) to guests that don't want to stay here, because basically it either ends in a negative review, a listing issue, or suspension lol (in the worst case scenario). As you found out yourself, a suspension this long can cost you hundreds in lost earnings so it may not be worth it.
You can tell them, that you will refund in full any days that get rebooked. That way, if they cancel before the midnight of the check-in day, they can't leave a review.