For me, we have owned since 2005 and have only lost 1 point. And that point expired this year.
I borrowed points from my 09 year to take my dad and step mom on a trip at the end of April for a 2bdrm at OKW. Well due to the economy, they both lost their jobs so a vacation from them wasn't the thing to do.
So I used those points and moved us to a 1bdrm AKV Savannah view room, which cost 1 point less than the OKW 2bdrm. So we ended up losing 1 point. That didn't bother me.
I borrowed points from my 09 year to take my dad and step mom on a trip at the end of April for a 2bdrm at OKW. Well due to the economy, they both lost their jobs so a vacation from them wasn't the thing to do.
So I used those points and moved us to a 1bdrm AKV Savannah view room, which cost 1 point less than the OKW 2bdrm. So we ended up losing 1 point. That didn't bother me.