We do not have an unlimited supply of points and have to be careful about how we use them. If we had used all points for our cruise, it would have taken 474 points. Plus the $75 booking fee. And if we needed to cancel, well, you know the scenerio. We paid $2900 for the cruise. Because we took the cruise, we did not go to WDW that spring. We sold 104 points, got $1040 for them and added that towards the cruise expense.
Had we used our points, yes, it would have been convient, but it also would have wiped out 2 years worth. We go to WDW 1 to 2 times a year. We would have to pay cash for a room there. For us, not a sound financial decision.