early, if you can afford all those new targets... more power to you!

For those who shoot hundreds and hundreds of arrows a week though, it WILL make a difference -- even if you're shooting Muzzy practice blades (I know, because I shoot them, too). I shoot on average 40-50 arrows a day, and I don't feel like buying a new bag target every couple months.
For the sheer repetitive practice top archers need to become finely tuned machines, being able to shoot field points is invaluable when it comes to damaging targets less.