Despite having plenty of miles/ points I still pay for a lot of flights/ hotels out of my own wallet. It's usually down to an odd location and sometimes due to a lack of availability.

Long-haul miles I'll just travel in the highest available class. If that's F that's great, particularly if it's an Asian/ new airline I've not done before. short-haul I'll do Y wherever possible as I don't really get any marginal benefit and so there really is no point in deploying the miles or higher taxes and fees there.