catbox9 , I still have ~50 nights (and no more years) to go before enjoying the "benefits" of my "accomplishment".

But I am almost twice your age. You have plenty of years to pursue lifetime status with Hilton or Hyatt (or both), and then enjoy the resulting flexibility and increased options.

If the former, and based in the U.S., consider the Hilton Aspire AmEx, discussed in that forum.