We did the NaPali tour last year - we did a ton of "touristy" stuff the first year we went (2004) because we didn't think we'd be back, and then my parents thrilled us all by buying the time share! So, last year we did the NaPali catamaran tour, and this year just my dad and I did a helicopter tour. (DH is a scuba diver, and he spends all his time and all of our disposable income diving while he's there!) WOW - that was incredible! You get to see the whole island, so much of which you just can't get to via the roads.
I've heard great things about the Hawaii cruise - we have seen the cruise ship a couple of times out at sea!
Yes, like an idiot, I had already banked the remainder of my 2005 points into 2006 because I didn't think there was any way we'd be back before then (our UY is Oct.). But, this way we will have those points to stay on in December, and we get the free dining and to check out the BC. I've wanted to stay there, but wanted to make sure it was a time of year that we'd use the SAB - and needless to say, it is usually plenty hot in August!

We will become "points poor" for the next few years, as we are banking/using/borrowing to take our entire families in late 2007!