I've been lurking on this board more than I probably should. We've been to Disney twice in the last two years, rented points both times. We're planning our third annual trip for this fall, and will also be renting points. We've rented from the same person all three times and have had no issues--it's a mutually beneficial relationship for sure. But something has been nagging in the back of my head...like maybe we should just go ahead and buy ourselves. I'd definitely buy resale, but I just can't get past the commitment of it. We only go annually, and I can't see the frequency increasing. What if the kids start hating it? What if we start hating it? How many years do you think you have to get out of DVC before it's not "worth it" anymore, if that makes sense? In my way of thinking, we pay about $2700/year for lodging by renting points (1 bedroom at BLT). If we went with a 250 point contract at VWL, we'd spend $16,250 if we paid $65/point. Taking into account MFs, we'd have to go annually for probably the next 15 years to "break even" when looking at the annualized cost of purchasing vs. renting points. While I love Disney, part of the reason (a big reason) for the way I feel is that my (very young) kids love it. I just can't wrap my head around going to the same place on vacation for the next 15 years (even though we'll have other vacations each year as well), especially if the kids stop loving it as they get older. But maybe they won't stop loving it because Disney will be one of their childhood traditions? Ugh. Typing this out and doing the math, I think I've just talked myself into renting points forever instead of buying, but I am wondering how others got over the "commitment phobia" aspect of purchasing DVC.