Well, my travel history sort of addresses this. When my Mom and I first bought in 1992, we were going to Disney every 6 months, and a studio was fine for us, as we were used to staying a regular deluxe room, and the studios at OKW have 2 queen beds. After a few trips, we stayed in a one bedroom. So then we added points to switch between a one bedroom and a studio every other trip. By 1996 we had enough points (345) for two 1 week trips in a one bedroom every year, plus some extra. This enabled us to occasionally save points and invite friends & family for a two bedroom, usually a lock-off.