We have done it both ways. We always stay before & after the cruise on points. But the best way for us has been to pay cash for the cruise & save the points. Last yr I had already borrowed points for 8 nights at BWV in January. The $99 special came out (take a January cruise & get a fall one for $99 per person). It was too good to pass up, but by cancelling some room nights I was still short about 18 points to pay for 1 person taking the cruise. Also I would have to pay $350 more for the 2nd person in the room who I was already paying cash for, because MS doesn't give the same discounted rate but a standard higher rate. Rather than try to rent the 18 points I still needed, I decided to put my nights or points on the Rent/Trade board. Someone quickly needed them and paid me the $10 per point which almost paid for both cruisers. It is somewhat extra work, but definitely worth the money and points I saved. If you have never tried the Rent/Trade Board, I would highly recommend it. Everyone is so helpful & nice. I have used it 4 times for both buying & selling.