I wouldn't say that I've outgrown loyalty, but loyalty hasn't been a deciding factor since Covid rode into town. I now have low tier status on a handful of airlines (as opposed to top tier on one), so I'm able to select flights based on convenience and price. Of course I continue to collect points. On occasion I use them. That having been said, I don't see any substantial difference between AA, DL, and UA. All three are okay enough.