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Questions related to Dubai Trip

We are planning a family trip to Dubai and require your assistance! new to this world of points/miles 🙂
Have around 45k Amex points and a few points in DCB Metal.
  1. What’s the best way to use these Amex points for hotel bookings for a family of 4?
  2. How do Accor STEP/FORA/HERA work? Are there any discounts on nightly rates in addition to perks (credits, breakfast, etc.), and do rates vary by advisor?
  3. Forex Card: Should we carry one, or is the DCB Metal card’s low forex markup enough?
Thanks a lot!
 
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