>> the reserve should be enough to get to a star (gas giant) to refuel if needed once that is in.
AFR is your "flying around fuel". It isn't meant to be used for emergency jumps
>> I don't believe re-fuelling at stars will ever be implemented in the game
Pretty sure it has essentially been confirmed as being the plan, even if it's not implemented yet. Not every star will necessarily be scoopable, but 1) it's part of the Elite universes' heritage, 2) it's far less dangerous than some people appear to believe. You only need Hx, so you can just scoop it from the stars atmosphere, it's not like you need to dip your scoop into a stars surface or anything.