As a solo practice owner… I get to keep all the points myself for free travel! For a low spender like me, I rely on plastiq to pay office rent and estimated tax payments to meet my multiple signup bonuses. I have 2 million AMEX points and 700,000 chase points. This year stayed at Hyatt hotels 24 nights all free. Usually fly in first/ business class. Our solo practice google group routinely discusses how to max out credit card points for free trips, many of my colleagues have had exotic overseas vacations for free.
Then again, even when I was a PGY4 resident I flew to Japan and Rome in business class for free- between patients at the VA I was reading flyertalk.com to maximize my points…