I feel your pain. I hope someone who knows the ends and outs of the point system answers your post. We didn't go with the points because we use our weeks every year. As far as the insurance. Our maintenance fees would be astronomical if we were fully insured. You need to find out, I don't know how, what the likelihood of using your points weeks 8 & 9. Also look at the different websites that owners use to rent out their units and see if that is an option. That option may dry up with 60 plus units less at the resort. Just my 2 cents worth. Good luck.