I started with the Chase Sapphire Reserve and both myself and partner had one, then I opened the Amex Plat - cancelled my CSR since still get those benefits through partner and now Centurion Lounge through Plat. Recently opened the Hilton Aspire Amex because we acquired a timeshare and the points on maintenance fees + card benefits made it worthwhile, so I personally have 2 premium cards and we have 3 in the household. I think you should realistically consider the benefits using your own "value" calculation - for example the Plat comes with $100 Saks credit but i never use it, so I don't include that in my benefit calculation. Compare how much you value it to the fee, but also consider what benefits would be available on lower fee/free cards.