Howdy,
I am only familiar with American Airlines AAdvantage program. Also - I do not fit your profile at all, I fly a lot on business and fly mostly majors.
Based on your post - it might be a good fit for you.
1. They have a fair amount of 'net saver' (deeply discounted - last minute fares - good for mileage runs if you like to travel).
2. They fly to a lot of destinations, as do their partners. With
OneWorld you have a very wide variety of redemption possiblities.
3. They offer miles for credit cards, phone service, gifts - pretty much the same as most carriers; one significant different is that all miles earned (bonus miles, credit card, etc...) all count torword lifetime status (1MM for Gold, 2MM for Platinum).
Good luck, and let us know how it turns out.
Keep the faith,
Pakse