Yes, the upgrade points piece isn't very useful. It says I have 33 points and my estimated category is 3. I am actually a Cat 2 with 15 points for the Cat1. Race Ready lets you enter your category in your profile. I think that if you added this along with the USAC upgrade logic you would be a lot closer to reality.
Race Ready sometimes does not pick up all of the Masters fields if there are multiple fields in the race.
This is is just FYI, not complaining at all. I used Race Ready again last week.