The first time I did the calculations, the DVC seemed like a good deal as long as I visited at least once each 3 years for the life of the membership. Based on the new higher prices, I did the calculations again, and this time I added in the interest I could get by just putting the money in a long term CD. With these calculations the savings are very mimimal. If had calculated utilizing some higher return investment, I likely would have calculated that it is cheaper to just pay-as-I-go. Has anyone calculated the actual cost of the points being used 40 years from now?