I would expect about 70 min for a 200 GB HDD to refresh 100,000 blocks. Still I would not hold up 0.9 over this since there are simple fixes for a user.
I had to refresh from beginning with 820,000 blocks. Monero currently has low transaction volume, the coin has to prepare for the situation which significant adoption occurred and number of transaction shoot up 10 folds. In that case see the problem would be very serious with refreshing (together with syncing database and disk space usage).
How long did it take and what was the hardware? Namely: CPU, HDD / SSD drive RAM etc.