After much research and discussion on how many points we would require, we purchased a 200 pt. BWV contract in June, 2004. Then we started planning, which led to a 109 pt. BWV add-on in July. So we planned some more (those @%&# point tracking programs!) and that led to a 123 pt. BCV add-on in August.
Thankfully, we went to HH in September for our first DVC trip, distracting us from planning our 2009 vacations and the inevitable decision to add more points.