173 Should be enough for no mo. You can ask what they add for cost points. Fsa told me I get 60 cost points added if you keep your rental rate at $124.00.
Last year took 210 pts in Mo to be accepted. You'd have plenty of cut off is the same.
She mentioned something about additional points being added which must have been the cost points you mentioned. Is the $124.00 rate you reference the rate at which new contracts would be signed up for? If so your area of MO pays a lot higher than mine!