I suppose I could fine tune my monitor to higher rates but if I wanted to distribute my game, I'd have to use a standard refresh rate
There is no standard frame rate! You can easily cope with any kind of framerate: just multiply any game value that is realted to the time (like a move) by the amount of time that passed since the last frame.Oh, and that's true, how can you work with a 60Hz refresh rate?!? I'd get the eyes of a dwarf rabbit with that.