Well I'd say you are definitely a stereotypical AmEx card holder. My salary is decent enough compared to the general population (>$200k yr), so does my SO. But

Well I'd say you are definitely a stereotypical AmEx card holder. My salary is decent enough compared to the general population (>$200k yr), so does my SO. But when we travel it never occur to us to check FHR -- those places are too expensive, and we didn't see value in those "perks". Chances are that your income is much higher than mine, or at least you are much more willing to spend even at the same income level.