It depends on your stay patterns. 1:3 is too high for Cat 6 hotels, 25k spg puts them all cat 6 starwood hotels 5k points above the top tier RItz Carlton. As someone with a lot of history in both programs, I have a ton of MR points, and few SPG points, because invariabley, SPG is where I want to stay. So I'm hoarding my MR points to stay again at the Gritti Palace, which is 105k MR points per night in high season. THat's 1.5 nights at any Ritz Carlton per Gritti night.

But I'm just glad I still have the option.