And sometimes one has no choice in the matter either and must live with the "plan" as it were, not saying that this is what happened to the OP, but things can happen or schedules might not permit a greater cushion. Case in point, my Mom & I decided to taken in a show by Bill Cosby in the Kennedy Center next weekend. He was doing two shows, 7 & 9:30 PM, so we picked the later time and setup hotel & Amtrak accordingly.
This past Thursday an email arrives stating that they're cancelling the 9:30 PM show. Options are refund or exchange for the 7PM show. So not wanting to lose the trip entirely, we accept tickets to the 7PM show.
Now the problem is it will cost at least $100 more to change our Amtrak train to a better arrival. So we left with arriving at 5:52 for a 7PM show. I did cancel the original hotel out in Arlington, that aforementioned HGI in another topic at the Court House stop, and managed to land the Marriott right at Metro Center for only $13 more than what we would have paid at the HGI.
But it's the only way that I can see us getting off Amtrak, getting to a hotel to drop off luggage, and still make the show. No way we were going to get out to Arlington & back in time, so now I lose 1,000 AGR points.
And of course if Amtrak isn't on time, then we lose!