Update, my mom is now feeling overwhelmed with the flood of information coming in. Because the CCV contract will close next week, she just wants to stick with it, and we will decide if we need to add on points in a few years, depending on our trip habits. We have 300 points to use this year, which is enough to do our Sept trip and then we will borrow from next year for Dec. We will re-asses our needs in 2 years. As long as she is happy with her decision, that is what matters. Still irritated with the guide, but she likes having a direct link to booking help and whatever, since her fog brain needs the assistance. Thanks everyone for all the input and advice. I learned a lot for the future.