150. We live in NY and we estimated that would be enough, and so far it has. Here is how we decided :
1. Figured we would go every other year, that way we can bank and have 300 points
Reality :
So far we have gone 1 to 2x a year. SSR is our home, and what we have ended up doing is borrowing instead of banking. We stayed in studio's (no problem with 150 pts). Now - we have stayed our last two visits in 1 bedrooms. Love the accomodations, and so far the 150 has worked for us. Now - we will always try to do the vacation with a one bedroom. They are just so much more convienent - we loved it.
January will be our 3rd vacation in a year. Wife went last January for the 1/2 Marathon. October was a one bedroom at the Boardwalk, and January will be a 1 bedroom at SSR.
We usually try to book Sunday-Thursday for the less expensive point days. The way everything has worked, we have 95 points for 2007 use year right now. We can borrow from 2008 and be fine, and continue to work it that way.
We are happy with
DVC, and have been able to work it out with 150 so far - no problems. Granted - we are not going at the busiest times, so the points are less.
We also plan on other vacations that are not Disney, so at some point I think we will not go down so often. But we love the flexibility - and are very satisfied so far with joining.
Eric