I finally converted my 3 BR FC last week to points and got a 3 BR at MGC. This was my first point conversion. I could have made this trade easily on II but I figured out just in time that if I converted to points, I would still have over 1000 points left over for another trip. Conversely, if I want to go to Aruba, I'll try II because I won't have enough points from one unit to get the trade. I'm discovering the points work well if you are downtrading season or location.