Bungie.net's caching is very disruptive and I can't come up with a way to make auto refresh work better with people's playstyles. So let's just have a top-level opt out of auto refresh that will disable any and all cases where DIM would automatically refresh profile data. With this enabled, only clicking the refresh button (or equivalent) or the initial page load would refresh profile data.
As part of this we should have some indicator in the tooltip that auto refresh is disabled.