I'd recommend you hoard your MH points and don't waste 'em on a laptop.

I was in a similar situation to you several years ago(laid off), and even though you're tempted, realize that the BIG item is to get back on your feet.

As far as laptops go, find sumpin' really cheap(word of mouth, ebay, etc), go with Windows platform and focus on what's important.

At this point, any cheap laptop should suffice, as you'll likely just need web surfing and document prep for now.

Saved my hotel points, used 'em later after I was back on my feet and never regretted the decision.