I need help, I don't know if I'm racking up rewards where they are most worth it or if I should make a change.

So far I have been primarily using Freedom+CSP to get UR points. Because of that I also picked up a Ritz Card for the 70K bonus points since it's one of the places I can transfer my UR points.

Where it gets interesting is my Wife has a lot of Delta Skymiles, and Delta is the primary air carrier here. It seems that there is kind of a Points island of sounds with Delta/SPG (and maybe Hilton in there). So with Delta being so prominent would I be better served focusing on MR/SkyMiles/HHonors instead?

I also travel a few times a month for work, so its an opportunity to get points that way as well. Typically I would stay at a Courtyard or Hampton (which I love the free breakfast). I haven't had nearly as much luck with Aloft/SPG hotels so I don't know if the extra points are worth an uncomfortable hotel stay.

TL;DR is the Freedom+CSP+Ritz a good combination even with Delta being the primary air carrier, or should I be looking at something else.

I would never transfer UR points to Marriott myself...horrible redemption value there. I personally love SPG/Aloft, but I've stayed at many Courtyards as well. HHonors is not that great of a program anymore. Delta is hard to redeem on for low level awards and why I have 500k miles with them. I would look into UA as a possible transfer for your UR points instead of Marriott, but whatever gets you the best value for yourself

So is the better bet just to bank UR or MR points in general?

So on the non-redemption side, which program seems to offer the best perks? It sounds like from what I read SPG and Hyatt are the two top programs from a redemption side... but unfortunately for business travel are much harder for me to come by than Hilton or Marriott.

I leave them as MR and UR until they are needed and I typically only transfer to UA from UR, as I get much more value out of them redeeming for flights than hotels. Alot of people redeem for top end Hyatts, but 4 nights there would be 88k UR points and I value a RT to SE Asia way more than 4 nights in a fancy hotel. I do like Marriott and Hilton properties, but will typically pay for nights if the point/$ value is poor. I have really started to like some Club Carlson properties as well. I am Silver with Marriott...Gold with HH, CC, SPG and Platinum with IHG...the benefits are basically sometimes an upgrade, breakfast, free internet, etc. Nothing to really get overly excited over. I am not loyal to any brand.

Though i personally have never done it, Chase lets you transfer to Korean Air Skypass program, which is a member of Skyteam. You can use those points to secure Delta award flights.