I spent 80K two years ago for 250 direct and 200 resale, for a total of 450 points. I did all three contracts in one month. I used a short-term personal loan and will pay it off this year.
For the people who say don't take loans, I will not see a deal like we had years ago on RR points in the future. The difference in price for point now ( when I theoretically would have had the money saved) and back then is way more than the 6% interest over three years for the personal loan. Of course, the best personal loan I can get now is at a higher rate.