Chase Sapphire Reserve Unboxing/Review 2020

Is the Chase Sapphire Reserve still worth getting in 2020? Chase Sapphire Reserve does have an annual fee of $450 per year, but chase gives you $300 every year so it is really $150 annual fee per year.
That $300 per year does have a catch. In order for you to get that $300 you have to spend $300 or more on travel per year (hotel, flights, air b n b, uber taxis...)
You get 3x points at restaurant and travel
Your points are worth 50% more when redemeed through chase portal
•100,000k points currently. If redeem through cash or Chase Freedom/Freedom Unlimited, 100k is worth $1000
•Through Chase Sapphire Preferred portal it is worth 125k $1250
•Through Chase Sapphire Reserve portal that same 100k is worth 150k $1500
Priority lounge access. Free food and drinks over 1000 locations
$100 refund for TSA precheck/global entry
6 hours trip interruption/delay
• Trip Delay Reimbursement
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for reimbursed expenses, such as meals and lodging, up to $500 per ticket.2
• Trip Cancellation / Trip Interruption Insurance
If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.2
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Link for Chase travel benefits www.chase.com/...