Is there any minimum points that you might not go thru the trouble of banking? For example next year we will be using 140 of our 150 points, banking 10 points. I figure 10 points is worth the phone call, but what if it was just a couple of points. At what point would you not go to the trouble of calling to bank but would just loose the points? Also, I wonder how often folks within DVC do loose points thru non-use. Just curious.