I initially started with 2 FWs (118 points each, or 236 points) and did 2 50 point RIV contracts, but then called next day to change to 65 points each. We have 2 sons, hence splitting the contracts, and we just felt 130 would go further than 120. But then - about 60 days after we bought the contracts - DH learned about runDisney FWs and wanted the Wine & Dine week. I asked my Guide about it an kind of sighed that we wouldn't get the high point discount, but our guide said because we hadn't actually closed (we were paying over 90 days), we'd still qualify. So we did the F&W runDisney week at CCV (another 118 pts) and as that now put us at 484pts, we added on another 50pts (alas, our guide would not let us split it into 2 25-pts), to get us that additional discount at 500 points. And now that I'm typing it out, it all seems so crazy! But those Summer 2020 incentives WERE SO GOOD we were able to buy a lot more points than we originally intended.