This has been discussed a lot before. Depends on how old you are and what you really want to do hunting wise while you are accumulating all the points. I am older (72) and have pretty much decided not to build points for a hunt 10 or more years down the road. I am spending the money on landowner tags and go with outfitters in the really prime areas. I still build points for the easier tags that only need from 1 to 5.
just have to decide what you really want to do.