Thanks, HayGan. I feel much better now. I don't have a trip planned until next year, so I'm not paying on a ressie.
Me either but I have slowly been cashing out for paypal or disney gc's when sites run a special or when I have enough points to get them. I get nervous when I build up a balance (or actually just want to spend it) so I cash out around the $25 or $50 mark on most sites.