I've been pretty regular on the site since Feb and I have a little less than 500 points. So, at this rate it will be about 10 months to a year before, I'm trustworthy.
In some ways I see that as a long time and in other ways,...well it's up to the site to determine what is best.
AND I do have the option to go to someone who has the needed level, who I've interacted with to obtain an address or I can go directly to the person through a PM.
So...It is better to be safe than sorry.