The rules that are applicable are that you must pay for one adult to use points and you must pay each person either in total with points or cash, not a combo. Also, there must be availability for points reservations which often isn't the case when there is cash availability. Look at each scenario and decide including paying cash and renting your points or using them in other ways. The specifics will vary depending on circumstances so look at your real situation. As a general rule points will return you about $6-7.50 a point compared to early booking discounts. Any cash portion is due in full. The $95 fee must be repeated if you make even the smallest change.