Buying extra for a cushion is a solid idea. I thought I did, but all of a sudden, I'm thinking to add a little on. But if you're doing it to rent out the extra and recoup a little money, in my opinion, it's not a great deal. Some will not agree. You can work with 3rd parties to rent out your extra points, but you're return on investment in those points are a fraction of what they're worth, and if you rent them out yourself, there's risks and time wasted in that process, too. And another thought I've had since purchasing is, I bought in thinking I would rent enough to cover a portion of my, if not all, dues, but in my estimation, that value get's worse and worse every year. Dues go up like clockwork, but I don't see rental costs following suit. So, to some extent, I'm renting more and more of my points to cover dues, and getting less and less out of my experience. I know over the years, rental costs pp has gone up some, but I don't believe at the rate of dues ( I could be wrong, I've not done the math), so, in my opinion, buying in with the intention of renting to recoup funds is not a sound strategy. Just my thoughts on it. Now, when/if, I have extra, absolutely, but aside from the pandemic, I dont find myself having issues finding use for my points. One day you're staying in studios, the next somehow you can't get away from 2BRs.