It doesn’t matter if he refuses, once the next guy is sworn in trump would no longer have any presidential power. Articles like this are fear mongering gas lighting.

That assumes nothing would happen to prevent the "next guy" form being sworn in.

Or that there will be a next guy at all. He could cancel the elections. Make himself president for life.

We are talking about future trump. What does for life even mean in that context. If he survives to finish his term I’ll be surprised.