I'm sure there is no simple answer to this question but I'm asking it anyways. My husband and I just returned from our first family vacation to WDW. We had an amazing time with our 1yr old and 3yr old. While we were there, we sat through an hour presentation about DVC to get the free fast passes. Also, we were genuinely curious, even though we had no intention of buying that day. Upon coming home, we decided we would really like to do a Disney vacation every year. Our kids are the perfect age to start going every year now. Our agent sent us home with a large packet of information but it really only highlights how many points you need and all of the perks of being a DVC member. It doesn't really talk about cost or any of the hairy details. From what I understand, if we buy in now at 100 points it will cost $14,500 and we will probably settle in around 10-12% interest. After reading around here, I'm even more confused. So you can buy from a reseller? How does that work? What happens if I buy from a reseller and not disney? What is the difference? If I buy from a reseller do I own a piece of Disney property just like if I were buying from Disney? Also the incentive they gave us was if we buy in now we get double points our first year. Does that make it worth buying into Disney. Our agent didn't talk about home resorts or the price per point difference. Honestly, we loved it so much that if we could we would go back again this year. My husbands vacation time doubles next year and we want to spend at least half of his vacation time at Disney. I'd love to buy in if its going to save us money and make our trip more enjoyable. I'm sorry for the novel, this is just a big decision and we want to make the right choice!