Thank you all, many good points. One thing I should have said is I use 90% of my miles for air travel. I pay for all hotel rooms as F class to HKG or Bali is more important then hotel rooms for me. Also, my upgrades have been few and far between, I have not been so lucky. Though I just read through Outsiders list above and am envious. Again, thank you for giving me something to think about. Perhaps this is my Mid-life FF crisis first world problem.