We bought 150 BCV points in Oct 2003 and had our 1st trip home to a studio in Nov 2004--9 nights, which was a fantastically long vacation for us--and we "only" used 130 pts and felt empowered having some left over!
Must confess, we wanted a 1BR as soon as we walked into the studio! There were none available that week and we really were fine with the studio. . .but we did want more. . .
This year we are going Thanksgiving week (DD is in school now, so our options for vacations are more limited) and we're getting that 1BR BCV for 8 nights which means we'll only have 70 pts left coming to us in 2006. For us, after paying for airfare, it just doesn't seem to make sense to have a shorter trip, even though the weekends do use a lot of points. We also just aren't the types to move around during our vacation--we want to park it and just have a "home" while we're away.
I can't help but keep my eye on the resales and everytime there is an incentive I start crunching the numbers to add on.
But, have we Needed more yet? No.
Would it feel good to have more? Sure (except for in the bank acct).
Would we use more? Probably, but who knows. . .it's fun to plan ahead, but let's fact it, there is only so far in advance you can have a clue of what life will bring to change your plans. . .
I think you'll probably Want more than 150, but that doesn't mean you can't do just fine (ad then some!) with 150.