If my math is correct, the maximum cash miles you will benefit from redeeming is 380 miles (4x95) as 30% back from 380 miles is 114.
I planned on getting another Disney gift card as soon as I had enough points, but I had a few bonuses post and I zoomed past the amount needed for $30 and now have enough for the $50 GC. At least I'll get the max 114 miles back and I'll use the extra Disney money so it's not like the redeeming above $40 will go to "waste".
Could be worse math!