Amanda
Ooops! sorry to disapoint you I don't manage to squeeze a 2 bedroom out of them every year for 220 points, just careful points management.
Firstly we always go in September which is the lowest season for points usage. We try to travel on a Friday and stay off site for that night as it saves valuable points (Friday and Saturday costs you as many points as Sunday to Thursday). Stayed at OKW once to us fewer points.
The first year we bought in we were there on holiday anyway, and (can't quite remember exactly) but we had some points which we banked to the following year. The following year we did not go and rented the points we had carried over and banked the current years points again into the next year. The next year we went using the banked and current years points and borrowed some points. (confused yet?)
I think it was at this point that we bought an add on, which helped top up our points. (ended up with more points than anticipated due to the use year).
The next time we went we stayed off site for the Friday & Saturday nights. First weekend travelled Friday, went to the Space Centre Saturday, checked into the Boardwalk first thing Sunday morning. Went to the Gulf coast for the 2nd weekend. Had a few points left over and banked them (I always bank them no matter how few)
This time we are staying on site for the whole 2 weeks, but the relatives have rented points to supplement our points.
Hope this helps.