if it's a simple one or the other choice, then hardcode your points into the javascript variable. Ultimately, your going to be plotting a number of locations. And you'll only be wanting to plot to the visible area of the maps, so some logic will be involved, as will storing/retrieving your data.
The approach then becomes easier to perform the http reguest which provides user data to a php script, which in turn performs the required logic, fetches data and prints it back to the javascript for overlay display.
var url = "your php script url";
var request = GXmlHttp.create();
request.open("GET", url, true);
request.onreadystatechange = function() {
Google maps api documentation provides many examples.