I think it's true, you'll get a different answer from everyone because everyone's "needs" are so different. We got 270 at BWV in 1998, and until this year, felt it was enough. We figured on taking family with us every other year, so we'd have enough for 2 2 bdrms. This year, our "guest" list got really long, especially after my FIL passed away. Suddenly, we needed more points than we could borrow with our current contract, and so DH was very supportive of getting another 270 at BCV. We've already figured out how we'll be using the points thru 2005, but I think we have enough for awhile.