I've decided to let my jam points expire. I'm not keen on the idea of buying stuff that I don't need or want for the sake of following a clever marketing model. Even if I use the points to buy credits, I'll be in this same position again in the future.
I am impressed with IK's marketing model. The sense of urgency has been a time honored marketing tool through the ages but combined with a considerable discount is pure genius. I considered upgrading T-Racks Deluxe to Grand but I have a few overlapping plugs that I wouldn't be getting credit for. If there was something there that I need or want I would be on board.
Thanks for all of the input and kudos to IK for staying here even though they are hit with significant abuse from some members of the forum.
Rocky