Example value propositions - exchanges for points:
Insurance - 800 points for a $199 annual policy = $0.25 per point
Resort Credits - What do they cost in relation to cash value received?
Reservation 645 points - yesterday for October 22nd Mountain Side Res - 645 points for 6 nights in 2 bdrm (Sun check-in, Sat check-out). Net of 30% discount or 280 points for reservation within 60 days. Oh, and used restricted Hold points. = 107 points per day for 2 bdrm.
I chose the reservation - all 2023 expiring points are now used up.