So we have shopped DVC since it was first offered at Old Key West, did the tour, and looking back realize we would well have gotten our money's worth. Now being serious again so many years later, no mater how I play with the numbers, the best I can see is that it locks in today's prices for the next few decades. Seems to make more sense to buy a house/condo nearby and rent it out- use that money to fund our trips. Has any one done the math to show how DVC membership can offer savings. We will pay cash, no financing. Need 200 points. Don't care which resort is home. To compare, we usually stay at Deluxe or Moderate, would never otherwise consider a DVC villa. Is anyone else in a similar situation, who actually has found how this makes financial sense?