I think everyone falls into one of two categories: 1) Lots of points providing free action without the concern of point requirements and 2) medium to few points who need to make decisions based on their current needs.
This sound like a moto statement, but there are inherent costs to each.
1) A lot of points provides a significant ability to reserve rooms of any size at any time of the year. If you own enough points to afford a Grand Villa at BLT during the Christmas or Spring break timeframes, then you likely don't even need to consider the point numbers. However, these owners pay for this mobility through higher dues, possibly higher initial costs, and the real chance of not being able to use all of their points by year's end. This last aspect means a lower inherent value per point or extra work in renting the points.
2) On the other hand, many owners have a balanced number of points in order to minimize their cash expense requirements. They buy an initial amount of points based on current fiscal ability and/or forecasted vacations at a certain time of the year in a certain room category for a specific resort. If any of these latter requirements change (additional guests, a shift in vacation season, etc), then the number of required points will likely shift (many times upward). Members in this category are likely to be more savvy as to resort, season, and space requirements and do watch the
point charts closely. Some move into the first group by purchasing more points as time passes, and will liekly sell off contracts later as requirements change.
Our family is squarely in the second category. Our initial 165 points at SSR allowed us a great deal of flexibility with a 1-BR in most seasons. However, our two trips since July 2009 required two bedroom units, so we were frugal with the points (staying at OKW) for the first one and eventually added on for ther second. Our next trip will be in december, and may bleed into the holiday season. We are thinking about bringing more family, too, so our choices are certainly dictated by the resort, number of guests, and room size (or multiple rooms). We can't afford a grand villa at anytime and anywhere, but we can afford a THV or maybe a 2BR and Studio at another resort.