We are members at WL and BCV. We like it too. We combined points from 3 years (banked and borrowed) and took all the kids and grandkids (12 of us) on a 4 day cruise and spent 4 nights at OKW. That trip alone just about paid for our points. We do know that it is better financially to rent points and then pay for the cruise, but it is just so stress free to use the points.