What we have discovered is the longer we have owned, the less likely we need all those nights or all those trips. We can do everything we want with a four or five night stay now - and are fine with every few years. We don't have little kids who need naps or pool time. We don't wait in line for things we don't enjoy enough to wait for - and can work the system and lines so we don't wait. We don't wait for characters. And we don't need to do Disney all the time (there are other places to vacation). And that has freed us up to spend points differently than we we wanted to maximize nights. We've had four in a Grand Villa to use up points. We invite friends to use up points. And it isn't like we've ever had a ton of points. However, we own at Boardwalk and really like it, so its also not terribly tempting for us to try something new. We've done BCV and VAKL on points. The Poly and BLT are on the list for sometime. I love WL - pre-DVC we did a cash stay, so we might try that at a future point - but it wouldn't surprise me if we didn't bother with any of that.
So I'd encourage you to look long term, past the "as many nights as Disney as feasible" point. Its likely that at some point you'll prioritize the Poly over an extra night because an extra park day doesn't deliver that much reward. We've always said "when we don't have kids traveling with us....we will" - my youngest leaves for college in August.
Plus without kids, we don't need to work around school schedules - and live in Minnesota - so mid- January through February, when crowds are manageable and point costs are lower works fine for us. And it also wouldn't surprise me if at some point we said "one bedroom at OKW will maximize points for the longest possible snowbird stay while retaining a kitchen"
