I don't quite follow the numbers.
But here's the question: how is the 15/25% relationship bonus calculated?
The "relationship bonus" is 15% for Gold, 25% for Private, according to the T&Cs, but is that only on the "base" TYPs (i.e., only 1x no matter what the spend category) or is it fully inclusive of bonus TYPs (i.e., on the full 2x or 3x, depending on the spend category)? From your numbers, it looks as though the TYP relationship bonus is fully grossed up to include a bonus on both base and bonus-category points?