That's what I thought at first too, I pored over every real-life area trying to find points before heading to the net. Found 62 total. So there's at least 12 extra points kicking around that you don't have to get. So I guess if you fail to get the 10 points from the dark navi in the vampire statue or whatever, it'll be a real pain in the ass to get 50.
I know that it is in the range of 62 or 65 is the total. The reason why no one can answer you is because that scenario is one the most hated things on this game, and we learn our own ways to get fifty and never get any more. After doing it once, you'll find it's terribly boring to repeat it, and you won't try to get all of them again.
The difference between Fate and Destiny is that Fate is a predetermined course that you choose to follow or leave. Destiny is what you will do regardless.