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28 F... Not a PPMD but open to dating one
So, lay off until the pandemic blows over.
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200$
Redemption rate isn’t great, but I’d always use points. There’s constant devaluations, so hoarding them (unless you’re specifically saving up for a trip) is a waste IMO.
Yeah. Finding better redemptions is hard unless you’re looking very far in advance or have a lot of date flexibility
Yeah. It’s about even. Key difference here is how much cash on top of the miles? If like $5, I’d probably use miles. If more than that probably cash
200
Use the miles, the way they're getting devalued and dynamic award pricing, it makes less and less sense to keep them. Only use the $ if you're trying to make status/spend/eqm requirements or if you're saving up miles for a specific planned redemption. I don't even think twice about using the miles anymore, unless it's a seriously bad redemption (e.g., 200$ vs 50k miles)