I agree with Deb & Bill, crisi and jodifla. I wish I had sold some of my contracts earlier and just kept enough points to use for 5 days, every other year.
We have restricted our travel to only include Disney and I regret that at times. Because we had it and it was paid for, we felt obligated. I thought when we purchased, due to the spill our sales agent gave us, we would use it more outside of Disney, when we tired of Disney vacations. But as we know that usage is truly not the best way to use your points or even travel to other locations.
As Deb & Bill stated dues and point prices have increased at a very high rate while in my opinion, the quality and upkeep of the product has declined in the same time period.
The price of points today, would be a deterent to our purchasing, especially when rentals are so available at a much greater savings with none of the hassle of ownership.