I am in a similar situation.
820 PVB points
325 VGF points
We ended up getting 150 pts direct when PIT opened and thought of selling a 200 or 250 pt resale contract to offset it... but I haven't had the heart to do it yet. The GF points were bought originally as a kind of hedge as VGF seems to hold it's value a bit better long term.
The idea was that we could take a trip down for a week a year - we would bank/borrow VGF to get a 3bd Villa every other year and then would alternate that with PVB trips in a 2BD PIT or a bungalow. But I'm averaging 3 trips a year and not banking anything

I frequently trade out to AKV, BLT or another lower
point chart resort and end up getting more/larger rooms for those points. We did a split stay SSR/BLT Christmas trip this past December and are headed down this coming weekend for a 4 trip with a 2bd and 2 studios at PVB. Then in June I have a friends trip to AKV for 4 days.
I'm hoping at some point to actually stick to the plan and get a 3bd at GF because I have yet to actually stay there! I feel like we are at the saturation point right now, any more trips to DW and the family might mutiny, but we also haven't done Aulani or DL yet so maybe that is in our future at the 7month mark too.