It's mostly about simplicity I guess.

We spend a fair amount on travel and restaurants. Airline is mostly United and its friends. We take 1-2 international trips a year and probably 3-6 domestic. I'm a bit of a Marriott whore but it's not a hard and fast rule; just where my points and stay history are. I think I'll be lifetime Gold after 70 or so more nights. The main benefit I'm interested in is J travel, along with free travel. I have never gotten a suite at a hotel and don't much care about it.

I'm fine keeping things the way they are. If anything I might just get rid of the PenFed Visa ($5,000 limit) since the only real benefit is 5% cash back on gas paid at the pump and I almost never drive these days so saving maybe a dollar or two a month doesn't really matter.