I have read and contemplated and flip flopped around on what was the best option to do in purchasing. Let me explain the evolution of my buying "thinking." First: We were going to buy 150 w/ MB. Second: Decided against MB & just bank all the points to use the next year. Third: Decided we needed more points, buy 200 w/o MB. Fourth: Buy 225 points with the Magical Beginnings. Here's my reasoning (Yes, I want the pros and cons of it): Our 1st visit will not be until next Oct. Baby #3 coming first of July, so this year's points aren't a huge NEED (should I say WANT instead?). By using MB, I can get 225 points (maybe even a couple more) for the same price as 200 points without MB. I will make up losing the first 200 points in eight years time and this gives me 25 more points flexibility each year for relatively the same cost (dues will be more). Please don't hesitate to point out something I'm forgetting or just not aware of at this time. Thanks for your help.