I much prefer Marriott's redemption category arrangements to the placing of hotel categories where it's perceived they "belong" (IHG) or dynamic (HH). If you follow the well-trodden path to seaside resorts and big cities, then paying and earning points is the best idea. When staying in gateway cites which are really pricey, redeeming, despite being top-category, produces strong returns. When following the redemption path less trod then there's usually great value to be had at Cat 1s, 2s, and 3s.