I own at HH and BCV. We have enjoyed our summer trips to HH so much that they have quickly become an annual (after two years!) tradition. I bought enough points to stay five nights in a 2BR at HH in the summer, or high, season. That's 165 points. I knew that if we ever wanted to stay a full week, we could use our BCV points (I also have 165 of them) as the two weekend nights cost the same pointswise as the five weekday nights. Five days seems to work best for us at the beach, though - we arrive on Sunday, get our fill of sun and fun, then leave on Friday. If we want to extend our vaction, we spend the weekend in Savannah or Charleston. If we wanted to have more beach time, I still think I'd pay cash for the HH unit or move to another hotel - that weekend point cost is so high!!!! I do book this trip 11 months in advance, or as soon as I know what my children's schedules are likely to be, since HH is in high demand in summer.
My BCV points are used in all sorts of ways. This year, I'm taking DD12 to BCV for spring break, and we'll stay the full week in a studio for 134 points. Usually, we really prefer a 1 BR, so we're "testing" ourselves this time to see how we like the studio. I'm one who really can't bring myself to use points for those high weekend nights, so we usually stay Sunday-Friday at a
DVC unit, then move for the weekend. This gives us a chance to stay at some of the resorts we like. For example, once we arrived on a Friday, stayed Friday and Saturday nights at the Grand Floridian, moved to the VWL for Sunday-Thursday, then moved again to the Animal Kingdom Lodge for Friday and Saturday, before driving home on Sunday. With the points I "saved" by moving on the weekends, I had another trip and stayed at POR using the Disney Collection option.
There are tons of ways to use points, and tons of opinions about how to do it!! How you feel about moving resorts on a vacation will determine some of your use. Some love it (like me!), others hate it. Which are you???