We are having the exact same debate in our house, we love the Boardwalk are and Villas, as well as the BCV, but SSR makes more sense on paper. The advice I got was to buy SSR because we are flexible with travel dates and only need a 1 bedroom, we shouldn't have too hard of a time booking at BC or BW with our SSR points. And if we do, then we stay somewhere else, but we are still at Disney, so will deal! I'll be stalking the resale along with you, and waiting for tax returns, since we want to pay cash. The wait is killing me though!