Yes, right to the point. I got MM just before I cut way back on travel, due to family needs and then retirement (travel on my own dime). As such, it has served me very well, and has kept me fairly loyal to United. Yes I could buy up to better seating and pay for extra baggage on other carriers but that usually offsets their often cheaper fares. Early boarding is nice and getting an upgrade from time to time is still a treat.