"Option A has the lower sticker price, but option B gives more points back — so which is actually cheaper?" You want to answer that in code. The naive version is one line:
const effectivePrice = displayPrice - totalPoints; // this inflates the number
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But subtract every point and you're in trouble. Entry-required campaigns and your own loyalty multiplier get folded in, so the "cheapest" becomes a price you only reach if every condition is met — not a floor anyone can count on. The cause is mixing points you'll definitely get with points you might get.
