I voted "use points", but it has nothing to do with being concerned about cash availability. I didn't buy DVC to continue to pay OOP too. Instead, we maximize our point usage by only staying 1 weekend per trip. Usually we stay 10-12 days with the weekend in the middle. It is more economical all the way around. Airfares are cheaper midweek, and since we only have one weekend, It works out great. Occationally we will stay an additional weekend night, but then we just move to a studio for one night.