well it would depend on what I had for other financial resources at the time for the dues and travel expensess. An abundance of
DVC points sounds great but really they are worthless if you cant get to the resort of pay the yearly fees(unless you rent them of course)
I would probably set aside a good portion for future maintenance fees and I like the idea of prebuying passes.
A good solid 160 points at one of the newer resorts(if I was young enough to use all the years) then the rest saved for the fees. You could probably pay most of the dues just off the interest.