Originally Posted by Adam Smith

Yes, but you run the risk of ending up like all the people who played this game in 2021, scrambling at the end of the year to reconcile their points balances with AC, given the problems with viewing many past transactions. Not sure whether everyone ended up getting all their bonus points in the end, or whether some are still fighting, or have given up entirely.

If you're likely to select that benefit in the end, it's worth assessing the value of the optionality in delaying your selection vs the risk of hassle in collecting the bonus points later, and possibly missing out on some.

(I'm not recommending either course of action, just suggesting some things to consider)