Are you still in your recission period (within 10 days of purchase)? If so, I would reconsider, especially if you live in Europe and won't be using the dvc properties right now. Pricing is so high now ($175pp?) that I do not think it's going to get that much higher. You won't miss anything buying at a later date, IMO.
Just buy when you know you are going to definitely use dvc. They aren't turning you away and the promos aren't anything special right now.
The thing about the point conversion is that each point is, conservatively and realistically, worth $11-15 in the open market. That means if you rent out your points, you'll get that amount for each point.
Disney, however, only "gives" you about $7-8pp if you "convert" your points over for a cruise. RCI is an even worse "conversion" option (if you value your points at $11-15pp). You are "losing" $3-8pp by converting points into RCI, cruises and other Disney non dvc options. That adds up.
In other words, using your points got anything other than a dvc property is an economically disadvantageous use of your points.
However, it's your choice
. Just my 2c.
Also, you might start losing that lovin feeling about Disney. It happens.
It's happening to us. We have owned dvc for 5yrs and have a total of 400pts/year (200 at bwv and 200 at BLT). Kids are 3 and 6...
We have started exploring NON Disney options (Kennedy space center, universal, discovery cove) in the Orlando area. After a 13 day dvc trip this upcoming December, we are going back to Orlando in April and NOT staying in a dvc hotel bc we can get a 2bd (1200 sq ft) at Wyndham bonnet creek over Easter for $105/day!!! The 2bd at Wyndham bonnet creek costs the SAME as the maintenance fee on a std studio at boardwalk (high point season over Easter). I couldn't believe it...
So, after 5yrs as an avid proponent of dvc, I'm now looking at other non Disney options bc I refuse to use my points during the point intensive high Easter spring break season.... And a whole non Disney Orlando world is opening up to me. I can't wait to try discovery cove!!!
We have a big trip to Hawaii planned in 2018. We will hit aulani. Kids will be 5 and 8 by then, and we are already talking about selling one of our contracts and half our points (200pts) after this trip. Hopefully nothing happens to drastically reduce the resale market prices between now and 2018/2019!!
Seriously, buy dvc when you definitely will use it for dvc properties. Otherwise, it's really not the most economical choice
. Good luck!