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I've owned for something over 10 years. I would like to understand what the person said when they said they walked away from the points. Also, the points vs the week. I was sold the week and it converted into points. I like points a LOT better. I can go for 2 days instead of a week, which is my norm. However, it's getting close to the end of the year and if the explanation is to pay for the points and walk away without using them, I need to know. Or what about paying and using half?