The paid for premier card is no longer offered by IHG in the UK. So once you give up the card you won’t get it back (unless they start to re offer it but there is no guarantee of that or that they would accept you for it on reapplication)

You only have Plat whilst you hold the card - as per this article in head for a points about the card being withdrawn to new applicants and this sort of detail isn’t something they get wrong - https://www.headforpoints.com/2020/0...d-credit-card/ - so unless your qualifying spend / nights earned you Plat in its own right you’d drop down to at least Gold.

So that’s something to factor into your thinking and not just for this year but next year when you start to travel again.

You mention you also collect / earn free nights for hotels . com which I presume you use for non IHG and non Hilton stays, I don’t know when their rewards expire or what sort of Covid extension they have offered so perhaps a strategy is to drop them for this travel light year and pick them up again next year - but only after checking their rewards expiry policy.

You could then concentrate at the moment in using your paid for stays to maintain Hilton and tell yourself that the £99 IHG is a sunk cost this year but you’ll reap the benefits in future years by not dropping it.

As to the Curve and it’s ilk it’s not something I have much truck for. There are endless daily comments on head for points about these card fronts not always working. Have a read of the HfP daily chat threads for a week and you’ll get an idea of the issues people are having just to earn a few extra points.