Deb & Bill have a really good point there Sarah!
That's how I ended up buying. And I wasn't looking for nearly as many points as you are. As I was planning a trip for my 15th wedding anniversary, one of the Disney planning sites suggested renting points. After researching it and lurking in the boards to see the availability of points, I asked myself why I was doing this instead of just buying my OWN points! After I placed a call to DVC and requested an info package, my guide called to answer a few questions and brought up the fact that I had spoken with her already a few years ago! She started explaining things about DVC that I didn't fully understand before. Next thing you know, I'm buying 200+ points at BCV (my family loves Epcot, the "five minute walk" line was a real a seller), then I'm getting a few points at HH (and I've never vacationed in the Carolinas nor do I love to golf) and then a little add-on at VWL (for the atmosphere and MK boatride). My family loves travelling, not just to WDW. However, knowing that there will always be a next time (well, at least, 39 years of "next times") makes it so that we never have to do "commando" style WDW visits.
Buying 234 points now will give you 702 for 2003 through banking and borrowing; $7,000 is a little more than a third of an initial purchase (at $80/point).
Just something for you to think about...