A mix of 2, 3, and 6 for us, although after our first stay at Aulani earlier this month I can see 7 in the cards (nothing better than driving to Kapolei for some foodland poke and some island vintage coffee and eating/drinking poolside! We said afterwards that we should give up our APs every 3 or 4 years and blow all our points at Aulani!
Also, after getting off the Disney Magic yesterday, I think there's one more category to add after speaking to a couple fellow owners at some of the
DVC events on board. I'd call them the "Seasoned Carefree" owners. These are folks who purchased 15-20 years ago and feel like they've gotten enough value from their membership that they're fine using their points for non-DVC things like cruises or ABD. They may or may not be aware of the poor value or renting out points and paying cash instead, but they're okay with it because they bought at $70/point long ago, have a ton of direct/eligible points to book the collection, and want something different besides the resorts.