I am PLT on AA, due to miles I earned when based in the US.

Now, I am mostly based in London, and Star Alliance airlines are so much better for destinations that I travel from here -- around Europe, Africa, etc. I'm realizing that tying myself to a system that doesn't fly to most places I want to go, except through BA... which is often more expensive.

I'm probably not going to earn PLT this year, so I think I might switch to another alliance.

A few questions:
- I've read about the differences, but what are the major pain points you notice when you switch from OneWorld to *A? What really bugged you personally?

- Should I choose United, Continental, or USAirways for my US program? I'm mostly going to be flying partners like Lufthansa, LOT, Ethiopian, etc.

- Are there bank accounts where you can earn money for miles on your deposits? I saw programs where you get miles for *opening* an account, but not for keeping money in there.

- Any other tips? Is this a good idea?