Have to say I LOVE this post!
As someone who worked at the executive level in the Credit Card industry, I can tell you that travel rewards cards are one of the worst ways to collect rewards. Most rewards aren't used, and when they are used they are often so restricted that they can cost you more than not using them. But I managed a department full of agents who would could convince you that it was a great idea. Or that CC insurance was a great idea; it's not. Taking rewards as dollars that you will actually use is a much better tactic. If you want to apply them to travel, that's great. If something (say COVID) comes along and you decide you never want to take a flight again, you can use the dollars to buy a swimming pool, trailer, or cottage. The choice is yours!
I am amazed at your saving rate however! We put most household expenses on our card (paid down in full every month), and it takes us a bit more than a year to get to that level of savings (and we are pretty good at stacking savings!) Hats off to you for really playing the program to the MAX!