We started out with 270 points (OKW in '92) and have since added on at BWV, OKW (again), and BCV for a total of 540 points. We have used points for three Disney cruises (next one this July) and plan on using them for trips to Disneyland, Hawaii, and Vegas in the next few years. I don't worry too much if we're using our points "wisely", as long as we use them and enjoy where we go.