Again, not familiar with UR, but assume it is like AR.
She is completely correct regarding flights. ALL benefits honored.
I question her intel on hotels. I booked a hotel via AR and got nothing. If you book a hotel through AR you are prepaying the room from a third prty which all hotel programs say ones not get you points/stays/nights.
Regardless, I have not tried anything with UR, but learned AR stuff the hard way.