I currently hold the biz plat - AF charged in March. I was planning on self-referring the personal plat at some point since it comes with Hilton Gold (the biz plat only comes with Starwood). I'm currently planning a big trip in February to Hawaii. Should I self-refer now? Or wait until January?

Pros for Now:

• Between airfare and the hotel deposit I'll get to the $5k spend right away - otherwise the next easy opportunity to do a $5k spend would be the remainder of the hotel in February, but that would be in USD so I'd pay the FX fee (I could use a no FX card instead if I meet the min spend with the airfare)
• I can book the airfare with platinum travel services and use the $200 travel credit - if I have to apply the credit through Amex travel, it will take some effort to use every year

Cons for Now:

• The biz plat and personal plat will overlap for 6 months, so I'm wasting half my biz plat year.

Thoughts?