I think eventually simplification will be the natural conclusion for most of us. Clearly they’re heading in the route of duplicating most credits across multiple cards, which makes justifying holding more than 1-2 cards more difficult.

At some point additional spend optimization begins to yield smaller returns not worth the effort. Gold covers flights, groceries and dining. That’s all I really care to optimize honestly. I’ve thought of chasing a few more SUBs, but I’m also contemplating downsizing to just Gold + Surpass or Aspire next year, and putting everything but food on that so that I can enjoy 1-2 FNCs + a likely additional night from the points earned.