I am comparing cash price to points and it is a bit tricky since I need to be clear on what the cash price includes as compared to paying with DVC points. I am sure I can dig through the written info and make some phone calls, but I thought it might be more effective to ask those who have been there. What "hidden" charges are there when paying with points? Are there any perks which are missed, penalties which are more heavily assessed, etc.? Any problems making reservations or changes when paying with points. Whatever pros and/or cons you know of first-hand would be appreciated! Thanks in advance for any info.