I understand that renting my points instead of trading into the Disney Collection, Dcl, etc... is better but does anyone feel that you've already prepaid and it's just easier to book through MS? We've used points in the late 90's for Dcl, 2 years ago for Disneyland hotel, last year for Disneyland Paris and once at the Shellborne in NYC. For $95 you get: instant reservation, control of reservation, no rental ads or rental doubts, hassles or fears. Plus it's prepaid although more than likely you over pay with points and leave rental cash on the table. I will add, our contracts are paid off and we have more than broken even since 1st buying 15 years ago.