I don't know how many points you guys have, but in generally it's a better idea to use points on things you can pay for almost entirely, because you don't earn any points on things that you use points on. So if you use points on the Samaritan, you lose out on the $400 worth of points ($20) that you would have earned by buying it normally.
See the problem is I never know what to use my points on...I have quite a bit stored up but i always feel like I should use them on something super awesome....