I'm not sure whether this thread or the once in a lifetime would be more pertinent but I was targeted initially for the 150k 15k spend and yesterday received a mailer for 190k 30k spend. Today I received an 80k gold offer. I'm leaning towards the 150k offer but it will be a lot of MS. I think that I'll apply before the fee increase and drop the personal coupon book.

Anything that I'm missing or oversimplifying?