It is a good thing I bought 10 of them when RCSS was selling it for $20 last November!
Normally, I think stockpiling points is fine -- I spent a lot of money when Walmart had that multi-buy thing, especially on PSN cards. But wasn't the RCSS thing limit to two per person? Leave some cardboard for other people...
I've started getting mine at costco unless they are on sale elsewhere, mainly because 2800 points is about $4 cheaper there than anywhere else.
I would buy from Costco, but since they add tax to their points, the savings isn't worth it. I might as well save the gas and just walk over to Walmart or Shoppers instead of saving a few cents.
Also, be sure to sign up for rewards.xbox.com where you can earn points for doing usual stuff. I've earned 1600 over the past year. Sure it's not "OMG look at all these points" but free is free
Actually, I am surprised that you managed to get that many points in the course of a year. I only get like 20 pts every month for doing their survey, 400 pts for renewing and some other bonuses. Most of the other monthly things require spending a lot more pts than I care to on stuff like avatar crap and other DLC.