Using a single BB account you could earn 5,000 points on CC spend (using VRs) and then another transfer another 5,000 in from a checking account (for no points). I would doubt a $10,000 check and a $20,000 check would look unprofessional. 30 $1,000 MOs would appear questionable to most, if not unprofessional.

That said, if you used the right cards, paying the CC fee could be worth it. For example, cards that offer bonus points for hitting specific spend levels could end up being worth it, if used strategically. AMEX PRG offers 15,000 MR points after $30,000 in spend; the JPM Palladium offers 25,000 UR points after $100,000 in spend; Chase BA offers "Travel Together" ticket after $30,000 in spend; and the list goes on and on. You have to do the math on it, but I'd imagine there are some ways of making it worth it, depending on how you travel and what the fee is (I'm assuming ~2.7%).