In re-reading this thread - I'd talked about extra points but not about not enough points.
If we want to do Disney more often than our 150 point every two year plan allows, there are a lot of options with and without DVC:
1) We could stay in a smaller unit. As a family of four, studios work fine for us if the priority were longer stays, more stays, or stays at higher point seasons. Our current plan is a two bedroom for seven in October every other year - moving to early June as the kids reach "can't pull them from school age" where we'd shorten a night from DVC (maybe stay in the other resorts, or a Universal resort.) And finally moving to several short golf vacations in a studio when the kids no longer travel with us (yeah, right.)
2) We could stay in a room with a better point value. We are BWV owners, so SV rooms are possible - as is booking at OKW at the seven month window. The "plan" was for preferred BWV points, so we have a little wiggle room.
3) We could stay at one of Disney's regular resorts. I haven't had a chance to stay at the GF or the CR yet, or the AKL - all three are on my list. I have stayed at WL and the Poly, and would like to go back. I'd like the kids to have a day at SAB, and could just book a YC room rather than trying to get into BCV. My current intent is to use a Saturday night (when point values are high) and do a one night resort stay before moving for the rest of the weekend on occation, to get a chance to try these resorts.
4) We could rent points from another DVC member who might currently have too many.
5) We could add on.
I'd recommend reviewing your point needs using Caskbills wonderful planner. Give yourself a little wiggle room (don't assume you'll always stay only seven nights, you might want that eighth weekend night. Don't assume you will always get a SV BWV room. Don't plan for a studio - unless you will realistically stay in a studio.) Remember if you are going every other year, you'll have 2x the number of points on average (and it will average. Our current reservation uses 7 banked points, 150 current point, and 125 borrowed points - for 282 points. If we take the same trip in 2005, it will use the 25 banked points from 2004, the 150 points current in 2005 and the 107 points we need to borrow - 282 points, and we will have 43 points from 2006 to bank for our 2007 trip. Eventually - a long time from now, if we don't go over the 282 every other year plan - we will need to use over 300 points in a year to get us back on plan. It will be a hardship, but we will manage).