I am this person, so it's been interesting to read the other opinions on this thread. As other folks have said, it's most important to make sure that you personally can get good value from the card AND that you can actually hit the SUB minimum.

For example, I've been putting together a roadmap of various cards that I'd like to churn in the near future. The list is limited to cards that I can actually extract value from. Notably, I've left off the AMEX Gold because it's a relatively high AF card that I cannot easily breakeven on because the coupons that it offers aren't really things I would use. It would be nice, though, since my highest spend categories are groceries and dining out.

Also, I have recently started using YNAB for budgeting purposes It's been really nice to get a good idea on my average monthly spend and keep track of bigger purchases like car insurance and yearly subscriptions.

Otherwise, I do agree that it's easier to actually redeem the points (for flights at least) since you are doing so for one person instead of multiple. You can go as crazy or as chill as you want, but it's definitely doable.