Make a habit of checking current airfare/mileage rates to refare for a refund.
Check availability before transferring points
In terms of "getting the most out of your CC - points" - that is extremely subjective. Don't get pressured into thinking you need to spend your miles on an overwater villa in the Maldives. For you, buying your entire family tickets to Los Angeles on Spirit using your UR points may be the most effective usage of points, even if it will make DDFers cringe. Value is personal.
I'm confused. Are these life rules by DDF, or rules for using/navigating/maximizing DD and DDF?
These are life rules, not just DD/F!
DD/DDF is our way of life