Yet another Marylander here. (Maybe it's in the water?)
I've been known to go to bed with the latest
point charts as well as plan out the next 5 years of possible vacations. (Having two timeshares leads to a lot of possibilities.) And only those with the obsessive gene can relate to it. The rest are tired newbies.
That said, I don't like borrowing and haven't yet. Instead, I'll pay cash for weekends or switch to a smaller unit. I've worked my points to give me 3 weeks max in Disney a year. But still I want more. I'll know I've done enough when I have so much time I can't possibly use it all.