Squishycash upgrade?

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I have been a member to squishycash for quite a while now. If you are in the site then you know you earn chips as well as money. I was wondering if anyone has used the chips for an account upgrade? If so, do you think it is worth it? You are suppose to have more of a chance to get referrals. Have you gotten more referrals since you upgraded? How many chips do you have now? I only have 72 right now, so I think it will take me a while to get enough to upgrade if that is what I do. Whatever I do with the chips that I do earn, I want to save them up so I can get something good. You can also get electronics, e-gift cards and cash. If I was to get cash I would want until I had enough chips to get at $20 or $25. If I got the e-gift card then I would want until I could get the $25 or $100 one. I think it is going to take me a while to get enough chips to redeem for something good. What would you get with your chips? If you are a squishycash member do you think it is worth it to upgrade? Have you cashed in your chips yet and if so what did you get?