On-orbit refueling is neither very complex nor untried.
Pretty sure it's untried. Theoretically easy, just like launching starship is theoretically easy.
Of course it's more challenging.
And it does matter if there's more fuel, you have to have valves and pipes that won't freeze after lengthy contact with cryogenic fuel. And you need larger pressure vessels, which scale in volume differently from surface area. It's not at all the same whether you move one ton or a hundred.