Cledaybuck, Super Mario, notquiteaff and others, I definitely understand where you are coming from but as I said above: "I am simply thinking of being able to squeeze the most out of the card at the least overall cost in being able to do so."

As it happens, I can no longer take long vacations because of the declining health of a relative and therefore, I give myself no more than 3 nights away for that reason.

I like to be cost effective, so a vacay with airfare and perhaps car rental starts to add up for such a short time, and although car rentals have fallen in Florida, they have not elsewhere. Further, I own a condo in Ft. Lauderdale, so that puts a further kibosh there for me and from what I have read, the west coast of Florida resorts are not rated very highly, and the Curio in Key West gets very bad reviews so for me limited applicability as it now stands.

As I said, circumstances will dictate what is best for a given individual, but inasmuch as both trial balloons do away with the resort credit in favor of a more general credit of one sort or another, I think the handwriting is on the wall for this aspect of the card, and it looks to most certainly be destined for a reduction from $250 to $200 whatever the formulation turns out to be.