Your comment about the 75 banked points makes me wonder if you realize they would need to be used within the next year. You can only bank for one year. You would be able to combine them with the current year points, but if you only come every two years, you would lose them. If when you say Caribbean Beach Resort, do you mean the new resort under construction or actually CBR? If you use points to stay at CBR, you'll get about two nights every year with 75 points. You get a better use of points using them for DVC. If you are talking about the new Riviera Resort, that is a few years away and may be hard to book. Plus if it follows with all the newest DVC resorts, even a studio will be higher points than the older resorts. If you want to use points to stay at a ski resort, any points, resale or direct, can do that, if you have enough points and if that resort is available when you want to book it. And you need to have the stars line up just right for that to happen most of the time.
For this trip, plan to read up more on DVC, check out renting someone's DVC reservation (renting points - check out the first thread on the Rent/Trade Board under the DVC boards), and take your time. 75 points is the bare minimum. It's not going to get you a lot other than perks you might never use.
Good luck with your decision. We bought 20+ years ago and have had many good trips. But all of our points were way cheaper direct through Disney than what they are asking now (less than half the price, sometimes less than 1/3 of the price). Plus we live really close now, only three hours away, and can take short trips when we find availability. That's the other issue you might have, finding a non-home DVC resort (anything other than CCV) available at seven months out. November will be hard if that is one of the months you like to go.