First, Welcome to DVC, I know you'll enjoy your membership. I would like to address some of your points for the benefit of those who might be looking at a current or future purchase and possibly for you for future purchases. I also realize that retail sales are the life blood of the system and lead to other benefits, options and potentially new resorts as well as future resale purchase opportunities. 1. We're talking almost half resale vs retail, this is no small difference. Plus you get other choices resale and may actually get more current points to use done correctly. You also lose nothing of value currently and likely nothing in the future. Minimal risk, big reward. 2. See #1, it doesn't seem to be a reasonable choice to pay almost double for future options that are not a good value anyway (read: it'd be cheaper and easier to buy less points and pay cash) and could be removed for everyone tomorrow. This purchase doesn't guarantee access to all Disney or even DVC type options. It's an assumption you made that is incorrect. You paid for a false sense of security, IMO. 3. But you could have bought less points, had the dollars for other trips, had less yearly fees, MORE future options and less risk. 4. Fear is the key word here. IMO, the fear is not valid related to things of value and benefits, dollar wise. 5. Your guide misled you.