I think you got the answers to #1 and #2. #3 was how often we stay at home resort:
We bought 200 OKW points in 2006 and then 75 HH points in 2012 and used them for:
BWV- 12 nights plus rented points to friends for 5 nights
BCV- 5 nights (used mostly HH points, but some OKW)
SSR- 2 nights plus booked 6 nights for MIL and FIL (used OKW points)
OKW- 9 nights plus booked 6 nights for MIL and FIL...6 nights for SIL (used OKW points and could get the hh section)
VWL- 4 nights (used OKW points)
HH- 4 nights (used OKW points)
VB- 4 nights (used OKW points)
BLT- booked 3 nights for Oct (used OKW points)
AKV- booked 5 nights for MIL and FIL for this Dec (used OKW points...have 8/200 '14 OKW points left)
Bought AKV points this March and used all '12, '13 and '14 points (that came with contract...261 total) to book 5 nights there in Dec for us and a studio for SIL as well.
Just added another 50 HH points so we can do a HH trip next Aug (now we have 252 to use for the trip...2 '13 plus all '14 and '15). Will likely use the 125 HH for a HH trip every other year (250 points with banking/borrowing). MIL and FIL paid us to use 1/2 our OKW (though they tend to use a bit more than 1/2 since they LOVE the 1BR instead of a studio), so we have 100 AKV and (technically) 100 OKW that we will use every other year (400 total with banking/borrowing) that we will use at our fave resorts...will be trying BLT and AKV for the 1st time coming up...then we will have an order of preference (right now mine goes: BCV, BWV, OKW, VWL, SSR...I think DH has VWL up higher than me). And as you can see, we are always in borrowing mode. Though, hopefully we can go into 2015 with all our OKW and AKV points...or we may just have to add more

.