I work as a software developer, and I applied for Technology management and software developer course, to which I gave no explanation. Obviously, the visa officer will think why I am opting a course that adds no value to my career. But the content of the course is different from what I am doing at work. (Software development has different areas of focus, like front end, backend etc.). Unless they checked the program details in the college website, they wouldn't have got that. That's what I added in my new SOP.
Financial part, I have provided enough proofs. My home ties are also great. If these were issues, they usually write it as additional reasons for rejection.
I have applied for GCMS notes. I couldn't wait for the response because, my next deferal intake is next year August. So I took the risk and reapplied.
Maybe you're right, it might get refused again. But there were posts online where people got refused just because of their SOPs and are approved with a better one.
I hope that happens in my case. Fingers crossed. Anyway, I'll have plenty of time to apply again if it's refused again.