playBunny: I never thought of that, but I believe I understand what you are saying.

That is if I resign in a game where I'm currently only in "gammon", then I would only lose the 2 points. But that might be something I do because of how my men are setup, there is a good change that I might be "backgammoned" and lose 3 points - so beter to resign and get 2 points then chance losing 3 points. (At least that is what I think you are trying to say.)