Thank you for your most recent replies and Happy New Years to everyone. You are correct that I have gone back and forth a but but I think I have it figured out. Let me give you my situation again.

We feel like we travel a lot especially more than most of our friends. The travel is typically for pleasure and not business. Our vacations usuallu consists of:

* January-4 nights at our Disney Vacation Club resort in Florida.
* Early April-7 night cruise or 7 nights in a warm destination
* August-7 night vacation at various locations, usually staying at a Marriott if available. We sometimes vacation in Northern Michigan which does not have Marriott hotels in locations where we often go.
*Long weekend in December-Disney, New York or Chicago

We typically only redeem our points at high cost hotels. For example, we just used points to stay at the Renaissance Hotel Times Square which would have cost us $500+ per night. We used them for a week in Aruba. This summer, we plan on staying 5 nights in San Diego at a category 4 Residence Inn and we are paying cash at $190 per night insterad of using 20,000 per night (16,000 average per night after taking account the 5th night free). With the point cost in Hawaii, we may not use our MR points there but instead may pay cash since there are some decent deals out there.

We spend between $80,000 and $100,000 annually on our credit card. We have primarily used the MR Visa until a couple of years ago when we switched to the Starwood AMEX which is rated as the best credit card by most reviewers. Probably 90% of our hotel points are earned from credit card purchases and the remainder from hotel stays.

We currently have 202,000 MR points and 142,000 SPG points. This summer, we will have about 200,000 points from each program. In my opinion, 200,000 SPG points are worth a lot more than 200,000 MR points. Agree or disagree?

So my plan is to keep the SPG AMEX for most purchases and use the MR Visa where AMEX is not accepted. That will get me 100,000 points in a year which is good for 6-7 nights at some very nice Starwood properties or 3-4 nights in very nice Marriott properties. I will use my MR points on a future vacation where it makes sense--maybe Cancun, maybe Hawaii, maybe Europe. It probably does not make sense to transfer my SPG points to Delta unless the right miles deal come up. A couple of years ago, I was able to secure 4 roundtrip tickets from DTW to Anchorage and Vancouver to DTW for 40,000 miles per ticket roundtrip. That would have cost me $900+ per ticket. So we transferred some points to Delta and got what I thought was a great deal.

I am nowhere close to Lifetime Gold or Platinum because I don't pay for hotel stays often enough which means I will probably be losing my MR gold status soon.

Thioughts? Thanks for your help.