Originally Posted by pinniped
...Honestly, I'd run $5k on my SPG Amex and cut a check for the other $145k unless your situation absolutely requires those miles ASAP for a "perfect" redemption opportunity.
Yes, the question comes down to one's ability to use the miles in advantageous ways. That usually means the ability to plan far in advance, or to be able to leave on short notice when award inventory opens up.