Would it be risky to reapply for a Standard Visitor visa after a refusal (V4.2(a-e) etc)?
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All embassy visa sections usually explicitely recommend to only make travel arrangements that can be cancelled. This has become especially difficult for short term flights (I don't know many airlines that allow you to reserve tickets longer than just a few days before charging the whole amount), but that's just your risk. While it's difficult to keep a reservation open for a long time, you can usually change flight dates, for a fee with most fares, unless you booked the cheapest fare which is just not advisable if you're waiting for a visa.
With hotels it's usually easier, they can be cancelled on short notice. Unless you booked some special deal where you had to prepay the whole amount. Again, really not advisable when waiting for a visa because the risk of rejection is always looming.
Try to make a realistic assessment. How long did you have to wait for the noficitation this time? Was it really just a misunderstanding, i.e. won't it be a problem for you to provide proof of more funds, or do you just want to discuss their view? In the first case, you should calculate that your second application will take at least as long as the first one. So you might just change your flight dates accordlingly and also your hotel reservation, as described before. In the second case, frankly, I don't think you'll manage for the holidays and it will be safer to cancel all you can for a refund.
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