I too as well would like to see what other people do for points tracking. I tried to set up something but i keep making changes and doesn't seem to be working well.
Back in the early days of DVC, when they sent you the next years point chart, they also sent a hardcopy sheet to allow you to track points. I made an EXCEL version when they stopped sending the paper out. Since we own at OKW and BLT resorts, the spreadsheet had two tabs to start. I would then just add more tabs in subsequent years. I could then link the cells for bank/borrow transactions.