what do you do?

Y'all may have been asked this question before, but the answers I found from searching are a few years old and I didn't know if anything has changed. And Google is not being any help either.

If we'll be only 10 points shy of the vacation we want (and, yes, that's after borrowing from the following year), what are our options?

Pay cash for the difference? Buy 10 points?

Thanks in advance!