I'm liking the new system so far, but I do hope that the challenges won't be mostly "About Me" style pages because while I do the occasional page about me, I have way too many photos to catch up on of my family to be wasting time doing a layout I wouldn't do otherwise.
As far as waiting 3 months to get 40% that's not a biggie to me because my shopping has gone way down anyway - I don't see as much that I want anymore (probably because I have such a huge stash that things are starting to look the same to me now!
) So shopping every 3 months is good for my pocketbook and I only have to scrap 12 layouts to do it.
I'll just put things on my wish list and wait until I have 40% to use.