We have 34,800 annual points, family of three. It seems a bit crazy but we have no problem using them.
First off, two weeks are fixed 51 and 52 on Marco Island, and we use our fixed weeks almost every year, so that is 14,000 points.
Then I have a fixed ski week 1BR+ at Valdoro which I use, so that is 6200 points.
The remaining 14,600 points usually include a summer full week somewhere, plus I make several 3-day weekend ski season reservations at Valdoro every year. I think I have 4 or 5 reservations for this coming ski season. Throw in the other occasional trips (we're heading to Chicago in September for a long weekend this year, we were in Las Vegas last fall), and that takes care of our points.
Also, having so many points, we do tend to splurge a bit more. The three of us could fit in a 1BR, but will often get a 2BR instead so our daughter has a bit more privacy. With the point structure of some of the newer resorts, it will make going there a bit easier as well.
BTW, all purchases were resale, so even though it has been a significant investment, it is was way less than anything direct from HGVC. We are comfortable with our maintenance fee commitment, and as we approach retirement we see ourselves traveling more so I don't see an issue with not being able to use all our points in the foreseeable future. But when that time comes, I feel confident we will not have an issue divesting as all of our weeks are Platinum so there will be demand for them. My guess is that our daughter will want some of them, but I'm not counting on that. And for those who constantly complain on these forums about what to do after they no longer want their timeshares, I built my "exit plan" in from day 1 -- no need to insist that the HOA be burdened handling my exit plan.
Kurt