Hello. My husband and I are considering purchasing DVC membership within the next six months or so, probably sooner. I would like as much information as I can get, both good and bad to help us make up our minds as far as where to purchase, how many points to purchase, etc. We currently have no children, but plan to in the future. Right now our vacation plans are pretty flexible as far as time of year and resort type. Most of our vacations will be spent at WDW but wll also venture to Hilton Head and Vero beach. we probably wont vacation at Disney every year but rather every other year or so. For this reason information on banking and borrowing points would be greatly appreciated. You can email me at firstname.lastname@example.org. Thanks in advance for all of your help.