I'm a bit confused with I think a similar situation. I currently am stuck at 69 nights but I haven't used by 50 night annual choice.

Should I use the 5 night credit and mattress run for one more night to get the 75 and then take the SNA? It seems like all that would benefit me is banking a few extra nights toward lifetime platinum (I'm at 8 years but only 474 nights/600).

Are there pros and cons to either direction? Is there anything I can do to make it easier on myself next year?