Some might save up a few, but I think most of us just cash out and turn into Disney (or whatever else we're looking for). You can combine DGCs on the disneygiftcard.com site for free, up to $1,000 per card. The Visa tokens expire after so many months so you just have to remember to combine them before that and eat the $5 fee to combine.
I also cash out to PayPal still, even though there's no discount, just to have better flexibility. I don't like keeping large amounts in SB because they are unpredictable and a bird in the hand is worth two in the bush. They could devalue the points so they aren't worth as much or they could randomly deactivate my account. I know some haven't had any trouble at all but after losing $90+ in points from a random deactivation in my house without reinstatement, I don't like to take chances. My advice is always cash out often, for whatever it is you want, because you just don't know what the future holds.