Wow, a fellow FLR *and* a fellow insomniac!! Nice to meet you!
Honestly, I did not even look into FLR rates this year. I knew I was going to rent points a long time ago. We got REALLY spoiled staying at deluxes for such a small amount of money. And we always have a FLR seasonal pass so I never pay attention to ticketing prices! Our SPs will expire at the end of this month. What we do is we do not renew until the next fall. Our fall trip is our annual "big trip". In the meantime, we will go to WDW perhaps once or twice throught the winter..maybe go to a
MVMCP in early December, then maybe TL or BB in the early spring. We spend time at DTD, resort hopping etc. We ALWAYS stay on site.
I will renew my SP in Oct 2010 at that year's annual fall trip, then use that same SP in Sept 2011 before SP expires.
ETA: Do you have the DDE card? It is soooo worth it. Especially if you like cocktails! You get 20% off those, too!
We have stayed at the Dolphin several times using their FL res rate and we LOVE that place. Check it out!