just got back from St. Thomas last week. Had a great time on the all inclusive plan for the additional 90k points. I have an 11 and 7 yo and all their meals were included. Had a 2 queen room at Morningstar-the room was a little tired and dated, but we were not there for the room. The beach rentals (boogie boards snorkel gear, etc.) were part of the AI so the $ savings on the trip using the AI was worth every point. I think the service level at the property was actull better than when we were there in 2004 and the food was very good. The lobtster and Prime rib buffet at Coco Joes was great (especially when you didn't get a bill)
We are planning on using the AI at St Kitts next winter--we were there in Feb 06 and were underwhelmed by the property, however, we want to try it again with the AI benefit.
With the downturn in travel I do not think availability is going to be a problem. I booked the STT trip in October and added on the AI part in early January.