Interesting to note the large percentage of posters who use their posts for WDW resort stays only. Pretty much as I had assumed when I posted the original thread.
And it's also interesting to note that those who had used their points for cruises, almost to a person, wouldn't do it again because of the perceived "lack of value" compared to resort points usage, thereby leading to cash payments for future cruise requirements.
Thanks for those who replied, and I look forward to more posts of those who are interested