Can't comment on the breakfast since we use our credit for drinks at the pool. During the winter when rates are high it's worth it. I would never pay $500+ for a hotel room so it's a solid use. When rates drop in the summer I'd probably just pay. I spend 80k at the Biltmore or Boulders at least once a year and have no complaints. It's a lot of points but the adults only pool makes it worth it over other properties that are cheaper.