I went through the same calculus when deciding whether to add another 50 points onto BLT. In the end, I bought a 125 point BLT resale instead for almost identical money. I already had blue card status from a direct purchase years ago, so that didn't enter into my decision making. Plus, the contract came fully loaded, and I was able to rent out the banked points, thereby bringing my cost below what the direct contract would have cost me. My wife and I have found a use for those extra 75 points every year.