This is a great article discussing the problem being created within DVC by the resorts being closed. It also offers some solutions that Disney could take to alleviate the problem.
If I end up with "extra" points that need to be used I will likely do so by adding a day or upgrading from a studio to a one bedroom for my trips.
Have a read here.
https://www.disneytouristblog.com/disney-vacation-club-point-pool-problem-closed/