Here's how I'm going about working towards a decision on buying into DVC.. DH & I are about 10 year members of RCI. We use our points every other year to have a family reunion in Hilton Head, because our children & grandchildren love it there. Now I know RCI has sharing with OKW,SSR, AKV and BWV. BUT, it takes ALL our points,rolling over points included, to get the family together at HH,so using those points for WDW wouldn't work out for us. Not that the kiddos/grandkiddos wouldn't want to vacation at Disney,it's just not economically feasible to get EVERYONE together for a WDW vacation-HH is more affordable for the group(4 children & spouses and 10 grandkids). BUT, DH & I are returning to WDW after a 13 year absence and are going all out. As Florida residents,we bought our discounted AP's and will be getting the TIW card. We will be in the F & W 5k in November(staying at CB,part of a package deal) & are booked at the WL in Feb. We plan on making AT LEAST 2 trips a year to WDW and are at that point in our lives that we don't feel the need to compromise on rooms,so it's Deluxe for us. We're Poly lovers,but are VERY excited about staying at WL in Feb. and have the feeling we will love it as much. SOOOOOO, We don't need incentives,as we already are getting AP & food discounts. We are RCI members,so if we want to go anywhere in the world,those would be the points we would use, not DVC points. We have gone on 4 DCL cruises and we book our next cruise while on board,so we get a 10% discount and about $200 on board credit,so we'll always pay oop for DCL. Since it appears our only interest for DVC would be just for DVC,would it make more sense for us to look towards re-sale than buying direct? That's the big question. From what I've been reading, we may not need whatever "perks" come with buying direct,but I may be missing something & I'm hoping you all can let me know if I'm on the right track. Our only interest in our home resort would be WL or the Poly,which leads me to my next question. Are re-sale points and direct points absorbed together, with no distinction between them? If we buy a small amount of re-sale points,just to get our foot in the DVC door and later buy Poly direct points, do the resale points get absorbed into one point package,so the resale points really do end up getting all those direct sale perks anyway????? Am I making sense?