I am 99.9% certain that someone might already ask similar questions in past, but I could not find any recent information. Apologize, and feel free to move this to relevant thread, thanks!

My friend and i would like to stay at a property, but notice that SPG offer $675 prepaid rate while OTA offer same rate but able to cancel anytime till last 24 hours before arrival day. i would rather pay same rate that allow me to cancel (or hold out for future BRG opportunities) than stuck with prepaid rate.