I thought about it for a long time. I really did. I thought I would hate seeing that MR balance disappear. But I gained something so wonderful and we've already had so many wonderful experiences, I don't regret it for a minute. Picking up the Aspire card was a really good call too because I can stretch those 60 points really far by banking and sometimes borrowing and then supplementing in off years with other hotels (my favorite being the Waldorf.) I generally get around 1cpp for that hotel too, which as you know, is a killer redemption rate for Hilton points. I was always so afraid to try that resort.. I thought it would be so stuffy and frou frou and I am anything but. Turns out those fears were totally unfounded and I am completely smitten with that hotel. Our last room there, had views of the Star Wars fireworks, Happily Ever After, and Illuminations fireworks with a sofa right in front of the window so we could sit with a glass of wine and watch them all. My husband figured out how to sync a YouTube video of Happily Ever After and Illuminations nearly spot on and we played the music while watching them... it was just so cool. We also had the Tower of Terror and the top of the bowling pin at Pop Century in our view, we were that close. I really do need to do a review of the Waldorf for the hotels thread and I may just try submitting an article here to the DIS. The staff was excellent as well and we had daily breakfast (thank you Aspire card) that ended up being one of the highlights of our day. Such a nice way to start the morning. Anyway.. all that to say it has been completely worth it and I'm super happy I made that decision a couple years ago. Oh... and my annual fees are only $450 a year, which are relatively easy to cover with a combination of bank bonuses, cash back rewards and discounted Disney gift cards purchased with both. In December, it's back to the Wilderness Lodge and the Beach Club. I can't get enough of either place!