Regardless of how many points you start with, if you are defeated or the game ends and you have less than 100

, you are credited with enough points to get it back you back to 100.
However, if you go into civil disorder you do not get your points back. If you then get defeated in another game, then that puts you back to 100. But if you wager all your points and go CD then you'll be stuck at zero. You might get points back when the game you are CD in ends if no one has taken over your country, but I'm not positive. Something like that anyway. In any case, don't go into civil disorder and you don't have to worry about it.