Thanks for all the suggestions! Glad to see that I haven't been leaving that much on the table.
This thread made me do a deeper dive... realized I've been undervaluing MR points. I exclusively use them to transfer to airlines for premium awards with the bulk of my transfers to partners during bonus windows. Uncertainties of the bonus aside, this definitely makes (in my mind) 1 MR > 1 UR and will correspondingly cause a shift in spend.