Hi Darcie-
Might be helpful to define your terms in a bit more detail.
What is your story's threshold for 'hoarding? More than 250K? 500K, 1MM, 2 MM, 3 MM+?
I might add that with all of the volatility (enhanements/devaluations)of the FFP over the past 3 years, I think a consensus has slowly coalesced among FTers I know and respect, that too much hoarding can erode the value of your remaining mileage balance, so it is likely far less prevelant than a few years ago.