Travel bank is easy. Honestly if you actually use the Equinox benefit that already gets us to $500 off the fee right there. So that's better than most.

I like the purchase protection on the Platinum as AmEx is very easy to deal with. Lost a $100 piece of gear and they pretty much reimbursed me no questions asked so I could replace it.

However:
Sounds like you probably aren't the sort to maximize transfer partners? Super flexible looking for saver award space? If so those MRs are worth 1cpp on air travel. So $195 net fee for a card that earns 5 cpp on air travel when you'll probably want to use your Club card anyhow? The 1.1 cent for Schwab without pretty high spend has never seemed that appealing to me so either downgrade to a Gold and see how you like it or use up those MRs and close out. That's where I'd be in your shoes.