You are not alone!
We started off with 175 points @ SSR in a studio for 10 nights in summer, with 1 child.
God then blessed us with our baby boy (who just turned 3 @ WDW!), and we added-on 125 points @ AKV for combination of studios/1 bed for 10-13 nights in summer.
Point re-allocations hit us hard, so we added on 60 points in December, and it's still not enough.
Just returned from 3 days @ Vero yesterday, and DH now wants to do a small add-on so we can go every other summer to Vero in a 1 bed for 3 nights.
I said we were stopping @ 300 points, and then we added on 60 more and are now @ 360. DH know wants to add on 50 more, so we'll be at 410. But, we are done with studios, so we would need these points to go to Vero. Plus this year's re-allocation hit us again - our vacations cost us approx. 33 points more due to both re-allocations, so I'm very peeved at Disney, and don't want to add-on, but DH and kids fell in love with Vero...
I am very cautious because of dues - CDN exchange has been great to us the past few years, but if dollar was to go down again (like to 60 cents), then our yearly dues will be very high. Our only expense is our home, and private school tuition, but DD has switched schools, so only 1 tuition now. Cars are paid off, and we have no other debt, so we can afford an add-on, but I am very aware of the $40,000 we have already given Disney, not counting our yearly dues over the past 6 years of ownership.
Tiger