Suppose, but with running, cycling and xfit I spend a fair amount with sportmans, I also get the 25% discount on my life insurance, which alone offsets my vitality fee. I also intend on trying my hand at a few triathlons, so more shopping. Basically if I were to drop vitality, that fee would more into my life insurance directly, but also negatively impact my annual inflation which on diamond is reduced by 1.5%, so it increased by 8% instead of 9.5% so long running benefit. The odd movie I see pretty much doubles in price. The cycling and running consumables I go back to paying full price for. I loose out on paying R300 for R2000 worth of shoes, and getting 50% back on my race fees, which while not a lot was about a grand for this year so far. So so far this year just on life insurance I've already save about R4500. Saved about 2 grand on flights. At around R1600 back so far on the shoes add in another 1k for the races. That's 8100 from the 2159 I have paid for vitality not factoring in misc sportmans purchases, forgetfulness, cost of smoothies. I think at least in my case, without the smoother I come out way ahead, drop the shoes, flight, races and I am still scoring near on 100% RIO.
