I don't see any blame for RCI, or DVC for that matter, in terms of trades and trade power as the current system is set up. I see no blame for RCI in any way on this subject though I do disagree with how DVD has decided to align themselves with RCI (and II before) by limiting choices and access. With II DVC was treated the SAME as any similarly rated resort in the area. RCI has raised the value of DVC somewhat, at least on the inbound side, it's not clear if they've done the same on the outbound direction. It really SHOULDN'T matter though with RCI since DVC is treated more as a points resort though with hybrid features to weeks as well. Unfortunately RCI has less top choices than does II. I think many DVC members tend to significantly overestimate DVC's real value and demand in terms of timeshares trades both inbound and outbound. There are many resorts and times that are in higher demand than DVC where RCI is concerned. Choices are always good but in terms of a current purchase, the cost for those choices is dramatic if related to any type of trading. It'd be like buying the extended warranty on a car and paying an extra 25-50% of more. It's nice to have if it's included at the same price but definitely not worth paying much for. I'm hearing you say 2 different things. One is that you want to buy points to use at DVC, but above you also talked about buying to trade about once every 5 years. Reading between the lines in this note it seems like you're still having those thoughts in terms of buying what you'd need for DVC every year but maybe taking a break every few years and still using the points. If that's the case and you're buying a large enough points contract (150 or more with my suggestions) by just buying what you'd use at DVC using banking and borrowing, I'd recommend you simply buy less points. Maybe enough to go 4 times in 5 years. My thoughts would vary slightly based on your expected usage. For example, if you're looking at say Magic season for a week in a 2 BR, you do not need extra points above your anticipated needed when you calculate. OTOH, if you'd looking at a studio adventure season, you likely should consider a cushion of around 10% or maybe even a little more. Now it may be that the perfect contract otherwise has a little more points than you calculated you need, that's one of the issues of resale. In general, it's better to have a little too few points than too many from a financial and long term plan. Esp if we're talking 160-270 points not accounted for every 4-5 years. It's also my experience that many people long term need fewer points than they thought they would. I've also seen a trend where those buying with the idea of trading occasionally are likely to trade more than they thought. Once you get up to every 3 years or so it's often better to own another timeshare for trading than other choices. The only way DVC is likely to be a reasonable vehicle for trade is if they allow access to all resorts, allow members to request larger units than deposited, allow access to RCI directly, allow the members to pick the deposits and have reduced costs (number of points) inside the 45 day window. The idea that DVC is a top option and a poor choice to trade isn't unique to DVC, the same principles apply to any top end, high cost, high demand timeshare. That's the reason I rent my high end options the years I don't use them.