I know I needed to spend the points before the end of the campaign. Unfortunately stuff got in the way, and now I've lost all the points on two of my characters.
My wife only spent a total of 100 points on her main, and lost all of the points on all three characters.
After all the trouble we went through to make sure we logged on each day, it is just a total disappointment to have had such a short window to decide what to spend the points on.
I know it's basically meaningless in the grand scheme, but I am just an unhappy taru about how quickly the points had to be spent.