Originally Posted by
estrela
I am not making a recommendation for others, just explaining how this has influenced my own decisions. What do you think?
I haven't experienced the same issues as you, so I haven't had the equivalent frustrations. That said, given that I value top-tier OW benefits a lot more than the top-tier benefits offered by *A or ST, I would probably stick with OW even if I found myself having to retro-claim a bit too often.