We normally do one WDW trip in SEpt., Oct or Dec-staying in a 1 bedroom Sun-Sun..and 1 HH trip in June staying in a 1 bdrm Sun-Fri.
For our WDW trip we use our BW points and bank the leftovers, for our HH trip, we use our HH points, but always need to borrow from our HH point allowance,as we have a 100 pt HH contract and our stay is 110 pts.
Sometimes we sneak in an extra trip. Last year I took my mom and we stayed in a studio using the leftover BWV points.