If points move around a little on you, you can use bank/borrow to get a few more points to take your "regular" trip. Over time, you'll drain the bank and have a year where you have no points, but that could take years. At that point, you may be ready for something different, or you can rent points and transfer them into you account, or, you could stay for cash and revisit a favorite CRO resort, or your "regular" trip may have changed anyway to adjust to kids ages or other things in your life.