It's a practical one

There are times when I've had $$ to do paid stays on higher rates, & then there are times when I don't, so regardless of points per cent/$$, whatever you all do your calculations on, I've used points. Both worked for me at dif times/circumstances.

As long as we're on philosophy - each person has to do what works best for them, and it might or might not be what others would do.

But input from all sides is good, so OP can get info on suggestions, parameters, etc, before making a decision. That's the very best part of FT.

Cheers.