Apparently the points over time become less valuable as proof of work on the forum becomes easier.. so accumulating them long term without ever cashing them out may be a bad idea.. with that said I still haven't attained the 1 sparta required to withdraw them and still don't understand the process enough to withdraw.. but I think 1 ALT token is worth about 10 forum points.. but overtime 1 ALT will = 100 or 1000 and so on. As with all things, usually early adopters get the bigger rewards.