Will be getting the CSP downgraded to the sapphire no fee. I put my dining expenses on my forward that earns 5x points (as well as 5x amazon). My Ink plus will be housing all my UR (currently at 300k UR collectively). I'm already paying $450 for the Biz Plat and $95 for the Ink plus, no need to tack on another $125 on the CSP.