Thanks all! For me, most my Hyatt stays are already determined by others (PH SF) or I just strongly prefer Hyatt in that location (like Seattle Grand)... though I do share with Fairmont in Seattle. Westin's definitely not as nice in Seattle. I was SPG Platinum until I jumped ship to Hyatt.
I've only been Hyatt since 2002 I think, Diamond every year, I had a previous membership and used to go to Hyatt a lot in the late 90's but wasn't consistent on using the number. And I'm only 1/3 of the way to the base points requirement... I assume there's no way of getting Courtesy Card without first being a Lifetime I guess, but I have 40+ more years of travel a head of me... so I'd love to just get to the perks now ;-)
Again, thanks for all the comments!