Wife is gifted GM and had 27K and the AMEX waiver, meeting FO requirements. The was a question raised a question about a similar situation with GM challenge which was met but fewer than 50k RDMs and whether there would be rollover for the RDMs above the earned FO. In our case it doesn't matter since I'll gift her GM again. We save more on change fees during the year then a 25K Choice Benefit is worth. I'll provide an update when the rollover process has completed which will provide a datapoint.
As I mentioned earlier, my 147K rollover posted yesterday.