As a Gen Z and resident of NYC, I have found that it’s better to go with who is the least expensive vs staying loyal. I try to fly business and first class domestic as a leisure traveler on my own dime so I find money in my hand from the savings is worth more than status or points. I’ve saved just over 5k this year which is a month and a half worth of rent for me. I did make gold with United and American Airlines as a by product of this.