I think 1:1 is just a pipe dream. 1.5:1 would be great. 2:1 is probably right. I have way too many Rad points (2M, which can also stand for too many) and find very little use for them domestically, which is almost all of my travel currently. I'm hoping for the 1.5 ratio.
I am just glad I hopefully will never have to deal with Rad America's CS ever again.