Hi,
I am unsure if it is a bug or expected behavior of autoload.
Try the following org file in new a "emacs -Q" instance:
--- >8 ---
#+begin_src elisp
(setq org-refile-use-cache t)
;; ^- put cursor here and try C-h v
#+end_src
--- 8< ---
With org 9.3.8 I get `org-refile-use-cache' as default option.
With org 9.4+ I have to type variable name, no default option is
provided. TAB completion still works. Moreover, after help page for a
variable has been open (even for another one, e.g.
`org-refile-targets'), next time C-h v at the same buffer position
kindly offers `org-refile-use-cache' by default.
I have noticed this behavior change trying to prepare minimal example
for another issue related to org refile cache.