Originally Posted by
notquiteaff
OP said "But going forward I expect to fly them only 3-4 times a year, and will generally try to find my way into F either by paying or using miles."
So if they almost always fly F anyway, free bags via credit card are probably not a big draw.
That is fair. The OP "generally" doesn't check bags so it is moot.
For the benefit of everyone, if an opportunity to upgrade materializes after bags are check-in and paid for, there is no credit for the baggage fees paid.
James