I've had a few long delays and cancellations in the last year and used the insurance from Prestige. The occasional claim has made up for the difference in rewards vs. Platinum, especially when I book the base fare with miles and use Prestige for taxes and fees.
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
