As someone who crosses over PM/DM depending on the year with six figure spend on a reserve card, I don’t see a path forward beyond gold. could make DM next year but as someone pointed out, the ranks will most likely be swollen at least for next year. We’ve been buying F domestically and PS internationally, so With the new MQD tiers and the SC changes don’t see a reason to keep a cobranded card.

edit: usually 12-15k in MQD spend and we concentrate spend on one card as my wife could gat to plat with her own card (no way now)