So I changed my mind and applied for the Lux card today. Instant approval for a $10k CL and 20k Marriott points headed toward another FT friend for providing their referral link. I figured screw it, nobody knows what the rules and bonus will be if and when I get rid of my Ritz card, a bird in the hand, and all that. Probably going to get rid of it after year 1 but whatever. Sign up bonus makes it make sense for now.