Oh my goodness THANK YOU everyone who posted here. I just got off the phone with Southwest and they are refunding our flight. They had changed the times on our flights, and I cancelled my flight later that day (long story as to why). I knew we would never be able to use the travel credit for my in-laws (whose tickets we bought), and I knew we would probably only be able to use a small portion of travel credits for ourselves, because the prices I had paid back in January were so much higher than any new flight dates. I looked up the "customer service commitment' disclosure on Southwest's website, and sure enough it states that in the event Southwest changes flight times, you have the option to "cancel your trip without penalty and receive a refund issued to the original form of payment"--which I had no idea was the case before reading this thread.
It was so much easier than I ever imagined: I just said the change in flight times didn't work for me and we had cancelled, and asked if we could have a refund to the original form of payment instead of travel credits per the "customer service commitment". The customer service rep just said she had to get approval from her manager, did so, and then confirmed they'd approved a refund. I am so floored as the flight was for 7 of us, at pre-covid prices, so this is a HUGE deal to me.
So big warm hugs a-la Olaf to Southwest!!! They are amazing--they could have easily made excuses since I had already accepted the travel funds, but they didn't and I am impressed! And you all are amazing for giving me this information and the confidence to try calling them!
P.S., editing to say I realized right after posting that other people have not been having such good look and I absolutely did not mean to rub it in and am so sorry others have been having to jump through hoops to get their refunds. I am just so relieved as our finances definitely took a hit due to covid. I also wanted to post right away so others who have Southwest know they are honoring the refund. Also, our flight change was only about an hour on each leg, so they don't seem to be as picky about "substantial change" as other airlines.