I agree, last year due to health issues I was one day short with 3 weeks left in the year and ended up not doing it. It was the measly 10% and now that any level of status gets the same window for booking point stays I saw no reason to get one more night.
This year I just made Plat last week (health is better but not traveling as much) and if I didn't I wasn't going to sweat it or make a run.
So that is what I have done (WIHD??)