That's right, excellent observation. Still it is a 4 point difference with the 4 points spent for you essentially -
still 4 more than you get with the 28, eh?
In the end, in terms of story and game-play, I would think a reward for THAT character is appropriate when you 1750 or whatever Turbine changes it to at some point.
I think another "reward" or "loyalty" system which rewards your ACCOUNT could also be set up - like other retailers or product providers. Thus, even as a casual player, if you subscribe long enough (3 mos., 6 mos., etc) or invite a certain number of other people to join the game, I think ACCOUNT wide benefits, like opening 32 pts, opening them all servers, transfer character credits, etc ... would be appropriate.