Wow, I didn't expect to cause such a stir. Definitely didn't expect any negativity. But most of the feedback back is awesome and I appreciate everyone's comments (and welcome home's!). Right back at all of you! Just to clarify a few things. The reason for my long post wasn't because I was feeling guilty or conflicted really but more so because I know this is a subject that has been discussed (at length) and I wanted to give my perspective. I thought I was pretty clear in saying that from a purely $ standpoint it's hard to argue direct over resale and I certainly do not begrudge anyone from buying resale. By creating a "secondary market" like that keeps competition in play and helps with price. It also gives people an opportunity to get out of an obligation that they no longer want. I didn't go into the purchase blind and I'm not an idiot (well, not a complete idiot anyway My frame of mind was this: I am not purchasing simply to be in my "home resort". While I understand that is all any of us (including direct) is guaranteed, that is not what am I banking on. I am also interested is using my points for other dvc resorts (which currently any of us can do) as well as the other programs down the road. Again, I know those programs might not be available down the road but I am betting that they are...and even though they aren't a good value (to most) to use points for, I am projecting that in the future when the kids are grown we might not be using the points for wdw every year, it might be more sporadic and then I might want to use those points for adv, etc. instead of wasting them (i would never rent them, I just can't be bothered with it, it's a great idea but doesn't work for me personally for a number of reasons). So I viewed this whole transaction as "perceived risk". I perceived the risk of buying resale (to me and imho) that I might one day only be able to use my points in my home resort, wouldn't be able to use them in any extra programs now or in the future. I want those extra things. They are meaningful to me. I don't just want the home resort that we are guaranteed. Again I know that NONE OF US are guaranteed anything else but my "perceived risk" is that Disney is not going to cut the throats of their direct customers. They will always have these (or some other) perks for them. It just makes good business sense. So it is worth the premium to me to "bet on" the extras. I know it's a huge premium but for me it's worth it. If I had to be locked into my home resort forever with nothing else, it would be far less attractive for me (even at the 50% discount). That's just me.....and I view that as a major possible risk that might come tomorrow or 3 years from now. I also agree that Disney has to be careful with their decisions on this front but at the end of the day they have a business to run and will make decisions they feel benefits the majority of their client base. I want to make sure I am on the right side of that transaction. Is that paranoia, intimidation? I don't think so. More like calculating your risks for what you feel is important to you. ....and no I'm not a DVC salesperson but not sure why that is such a negative. The ones I've spoken with are very nice. They have a job to do. Some of them are giving their opinions or discussing what they've been told. It can be viewed as threat tactics but maybe it's just honesty. Either way, don't hate the mouse, that's why we all bought in and drank the kool aid....direct or resale! Welcome Home everyone!