As I see these point prices skyrocketing, I'm SO GLAD we bought right away, right after our first trip to Vero Beach. We knew we'd be going to Disney for the duration, and we wanted to stay more upscale than we'd been doing. It was hard buying a "timeshare" and facing some criticism (or at least skepticism). Of course, everybody thinks we made a great decision now (and they'd also love to come with us, of course!) We even financed, and I'm so glad we did!!! We had it paid off quickly, and we used the money that we were already spending going to WDW and applied it to the payments. We also put off buying a car and put the car money toward that. Because we paid at a fraction of the cost it's going for now, we got a great deal, have had 17 years of great vacations, and it's really been wonderful since we are no longer DINKS and have less disposable income. We've treated friends and family multiple times, and it's our son's favorite place. Even DH, who likes it more than loves it, keeps asking me to look up availability for a spring trip, even after he said we weren't going this year. Oh, and no restrictions on our points! So glad we were "early adopters."