In my case, my wife and I have decided that early in our retirement years, we would spend 6 months at a 1 BR OKW villa from September 1 to March 31st, each year (snow birding from NJ), and the rest of the time we're gonna drive an RV (if we still have such vehicles in the future!) across our great Country, the rest of the year. We'll need about 5,200 points a year to do this.
Once I enter my dodering years (can't drive an RV safely - but still can drive a car in FL!!!!!

), we're gonna move into an OKW studio for the year, which we can do for the same amount of points. Based on the taxes and rate of increase, the costs of maintaining my home, and the projected increases in MFs, in our case, we'll come out ahead living full-time in OKW, and we'll get Trash & Towel and Full Cleanings alternating 4 days, which we wouldn't get in our home.
We also plan to work at the World for free park entry and other perks, if the Mouse will have us!
When we 'take out' the high point weeks we'll be visiting family, Xmas, Easter, Spring Break, etc. We'll have enough points to mix it up alittle with shorter stays at the other resorts as well.
So that's why I want the points, do I need 'em nah, but who needs a 3 carat diamond either. Freedom of choice and the rewards of hard work, we still live in the greatest Country on the Earth!
Plus both Dr. T and the Rinkinator said I could!
-Tony
YMMV!