Auto quest completion - You already have valar to bypass levels and a mithril option to teleport to a quest. Toss in an option to complete one quest or series of quests for points. After so many alts sometimes I love an area but lothe one quest, I would drop points to bypass it.

Make any pet or mount account wide. - I would spend a lot of lotro points on this.

Make a premium house permanent. Keep it he current one the way it is and add a second option for double the mithril to never have it foreclose, ever. I would pay double the mithril for that.

Custom game icons. Points to unlock new UI customizations like choosing your own game icons

New creation customizations

Account wide war steed customizations Instead of 525 for one steed charge 1800 or whatever for account wide.