After crunching the #s I felt for < $100 rates it wasnt worth doing C&P, for Cat2s that would have meant 12 x 4 =48k and I felt I could get a better return using them for a straight pt stay at an expensive $$ hotel.

So you think its worth getting a $20 savings for 2500 pts. Personally I think the 17,500 pts you need to use can save you alot more then $140 that youd save by going C&P over just paying outright