@ TechBBBFan - you're right on with the trip coverage differences - in my case I've got that covered with a diff prem. card I put ticket purchases on (also limited my total "travel spend" potential on this card - although I guess I could *replace* that other card....oy vey hahahaha).

Looks like I've basically got to determine the liklihood in the next 12 months (given CARD act) that I'd use the portal to book - if so, CSR makes sense given the math. If not... CSP fee waived first year, then consider an upgrade if plans change.... for me anyway