I own ah HH but have only stayed there once. I go to DW every year but not during the popular times, so I don't feel the need to own at WDW to get the 7 month window. I have used the points to stay at hotels in NYC and Calf. No problem any time. I agree that VB would probably not be your best bet. I intend to add on and was pretty sure I would bite the bullet and buy BCV, but have since changed my mind; will add on at HH, pay less dues and book at 11 months. No matter which resort you call "home", DVC will be the best decision you'll ever make.