I write Rust professionally.

If you're using Rc you probably mean Arc. And most of the time that you mean Arc you mean Box.

If you're using RefCell you probably have a bad data model. The use case is interior mutability. This turns out to not be that useful in practice if you designed your DS well. Occasionally you need it in the design of some internals, but it's rare (and rare to expose)

If you're fighting the borrow checker you're not writing idiomatic Rust.

> I mean how much of an overhead if RC comparing to the real borrow checker coming from Java or JS world?

Negligible, but the real question is "why do you need RC in the first place?"