Living in Northern California I have come to the conclusion, that if I want to buy DVC I need to buy ether Aulani direct/resale or resale purchase of Grand Californian. I am looking to buy 200-250 points. That would allow my family and I to take a trip every other year. We already take 1-2 trips a year to DL but if I bought DVC, we could use the points for Aulani, WDW, HH, or VB. I know resale would be cheaper but GC points don't come up that often. A good thing is that I am looking to buy in 2014. I want to save up at least $20,000 if not more for a down payment. I guess if it takes me till 2015 to save all the money, that is not a bad idea too. Worst case would be that I would buy Aulani in 2015 or longer. I think they will still be selling Aulani for the next couple of years. Also since Disney just built Aulani, I don't see them building a new resort for DL anytime soon.