Kathy
I used 100,000 goldpoints on a cruise that I had to cancel. They were applied with my deposit, but I am sure your travel agent can contact RSSC & have them applied to your final payment.
When I cancelled, I was refunded the points. However, it did take almost 1 month for them to reappear on my account.
So use them. As someone once told me, you never know when Goldpoints will change their policies or amounts needed for a certain $ amount.
Hope this helps.