All of the above- I eup from Y fares; use FP Lat 48hr J up; purchase Z outright. Business (self-funded via contracts) and leisure travel. Domestic but mostly international.

re the add on factor- should I drop below SE, just another factor that would go into the cost: convenience:comfort blender as to which airline I would choose- AC Y plus add on to get into J vs someone else's Z/J.