About this time last year I did a MR purely to cross into the E75K band, and I have to say that IMO the difference between E50K and E75K benefits this year has completely justified that MR.

However, I'm in exactly the same position now, I will fall just short of E75K this year, but I'll be damned if I'm going to give AC any more unnecessary money to get virtually no extra benefits over E50K, and which I'd still have to pay $500 anyway.