We initially bought in with a 100 pt contract at OKW and then added another 100 pt contract at AKV about 3 months later...
for some reason we got add-on-itis pretty quickly...
I have a 115 pt contract so we can get a studio every year. This year were not going so we used one night at Disneyland Hotel. Next year we booked 6 nights in a one bedroom at Aulani. I did run out of points and I had to buy 19 pts. I would rather pay for the points when I need them then buy a bigger contract. I love the Studios and its such a good bargain for your points. I wanted a one bedroom for Hawaii but when were at Disneyworld we are never at our hotel. We also like to eat out and not cook on vacation.