We will borrow and purchase OTU points for a resie. Otherwise, no trip. I won't pay cash, stay offsite or rent points from others, nope. Just can't fork over the cash when I have a timeshare. We have 405 points (had 505 for a year but recently downsized by 100 points) so I think we have enough for plenty of trips. One time, my SIL transferred about 20 points to me for a resie (early on in our ownership when we only had 200 points).