If you are dedicated to KF, and have much more MR points then you can use in 3-4 years. You could xfer to velocity at 1:1 prior.
Then transfer at 1:55-1 velocity to KF after - 100,000 velocity = 64500 kf. Still a massive cut, but better then 100,000 MR = 50,000 kf.
Velocity point's dont...