I think point banking sucks. It allows guys to save up tons of PP and then every once in a while they can break from that strategy to hunt a unit that takes a few points and bone the guy that only wants to save 1-3 and hunt a good unit every once in a while. I agree with BKC, they are going to piss most people off sooner then later. Probably a 5 year warning when they come out with the next 5 year structure. Use your points in the next 5 years or loose them and go to a straight draw.