It's logical for people who want to add a reflist to look into the Cite menu. For non-citoid-enabled wikis, please add "Insert reference list" to the end of the Cite drop-down.
It's true that most pages only end up with one reference list, but this location would make it easier for people to add that one, especially on small Wikipedias, where editors may create many very short articles in a single day. Cite > Insert references list is both easier to find and faster than Insert > More > Scroll down > References list.