I will always convert my Reward Points when I reach 100K no matter if I have to wait a little longer to reach 100K again, because just letting it sit doesn't give any benefit and it would be better to save in satoshi here to get daily interest even it's not big .
The second option, in my opinion, is just wasting our collected RP which is not easy, choosing satoshi or FUN Token if you want to activate the RP bonus is much more profitable because choosing WoF can only get small and not worth it at all, the precious ones we have to save and choose not something based solely on luck like WoF.