Say you want to take a family of 4 on Disney cruise and it would cost more than 2 yrs points. Can you use all your points and pay the difference in cash? Is there any savings to this?
You can use both if you’ve exhausted all of your points.
I do not know about the savings part.
I would just throw one of the kids over then demand a refund.
You can get a 25% discount if there are cash rooms open.