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'Point-of-view' is often misused for the word 'opinion' as I think it is in your first example.
'My opinion is that it would not be a good plan' suggests that the plan is not a good one for anybody involved.
'From my point-of-view, the plan is not a good one' really means that the plan is not good for you personally, although it may be quite a good plan for others involved.
my point of view 
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