While I was doing all the fiddling with NPV (Net Present Value) of DVC I noticed that the point values are nearly (but not exactly) proportional to square footage. A lot of the resorts seem to be based on a system of similar-sized boxes, where one box is a studio, two boxes is a one-bedroom, three boxes is a two-bedroom, and six boxes is a grand villa. In those resorts, the point cost for a one-bedroom is roughly 2X a studio, a two-bedroom is 3X a studio, and a grand villa is 6X a studio. Look at Boardwalk for an example of this. However, the cash prices don't follow this at all. For example, Boardwalk villas for cash during "regular" season, whatever that is, are $417, $586, $945, and $2039, respectively, which makes the ratios (with a studio as 1X) 1X, 1.4X, 2.3X, and 4.9X. The odd one out is the studio. If the studio was $340, the ratios would be roughly similar to the points ratios. However, that would make a studio lower in price than a room at the Boardwalk Inn, which would be problematic. A standard view Boardwalk room is the same price $417, which makes the studio kind of a steal for a cash customer. Right? It's slightly bigger, and has a microwave and refrigerator, and I assume access to the DVC laundry. Is there a downside to a DVC studio relative to a regular hotel room? I'm not sure what to make of this. My NPV calculator says that the one-bedroom has the lowest cash/point ratio and the studio has the highest. The two-bedroom is closer to the one-bedroom than the studio. Perhaps there's just waaaay more demand for simple hotel rooms and a studio is a very equivalent substitute, which drives up their price. There isn't as much call for a fancy multi-room apartment for cash customers, so Disney can't get double or triple the price. I have no conclusion about all this. It's just more food for thought.