Originally Posted by
mahasamatman
We have no idea what your situation is, so this question cannot be answered in a vacuum. The only way to provide a logical answer would require that you post your entire earnings history and bank account information.
100 percent agree with this. Do you collect points to stash away for rainy days or specifically for vacations? Do you have money to pay for hotel out of pocket? Will redeeming points for the hotel room drain you of all your points? A lot to consider. If you're trying to cut costs, maybe do half and half?