We are considering membership; we just had twin girls (9 mo now) and may have more. We want to buy in if it makes sense, and we want to do so in a way that we could basically count on one week in the resort of our choice during the week of our choice. We are also vacation-commitment phobic so even though we might never use the exchange points we just might. So my latest brainstorm is to buy a total of 250-300 points but buy in three portions; the first and most expensive 91 direct pts at VGF, 80 resale pts at SS because of the value, and 80 or so resale at BWK since Epcot World Showcase is our fave. That way we have generally enough for a week in a 1 BR, and more if we get creative, and can use bank/borrow at one of 2 of our favorite resorts to get the 11 mo booking window for peak seasons if desired. What do you guys think? Advice? Why is this a terrible idea?