I strongly disagree with this statement. If you look at booking with a discount or renting points for DVC stays, then buying direct at today's prices is a losing proposition for the first 15 years or more. That doesn't seem like a good price to me. I know I sound like I'm nitpicking when I object to the term "guide" (or in your case "advisor") but I really do object to the use of that term. It signifies a mentality of the consumer that believes that these people are actually here to help you and have your best interests at heart. DVC salespeople are not advocates looking out for you. They are salespeople who represent a product and get paid when they sell that product. On average they are better than timeshare salespeople from other companies, and there is a range even within DVC. But you would be wise to stop calling them advisors and start calling them what they really are...salespeople. As for the math, there's a reason why you can't make sense of it. It doesn't make sense. DVC salespeople are using closing costs to try to equalize resale and direct purchases, but recent reports are that closing costs for direct purchases have gone up so that they are now about 50% of the closing costs of resales (about $200). There is no way that a purchase of any size resale contract at any reasonable cost would not be a savings given these numbers. As far as financing your purchase, you should really do the math on that and see what kind of costs it adds to DVC. You're conflating issues here. Yes it is more convenient to buy a small contract direct (although with the recent growth of the waiting list this is now debatable). It is definitely easier to call DVD and sign up to buy a small contract as opposed to stalking the resale sites and dealing with all the competition. So those points you made are completely valid. But your other claims about not really saving and the price being equal are simply not true. Even using your example of a stripped contract, the price per point works out to be $85 per point (including closing and adding $11 in lost value for the missing points. An equal direct purchase would be about $102 per point. So you are saving, in this case $17 per point. And this is at the old rates. OKW is now $130 per point, so the difference is actually $47 per point. So go ahead and make all the convenience arguments you want, because they're totally valid. Talk about how you want the real deal or you don't want to deal with the hassle of resale, because I can respect that opinion even though I don't share it. But when you try to justify the purchase using dishonest figures or comparisons, you lose credibility across all your arguments.