Trying this again, just lost the first post I typed!!!
I guess that we are one of those families that own 2 smaller contracts at 2 different resorts. We originally bought 150 at BWV and then 2 yrs later, we bought an additional 100 at HH. This is what we could afford. I have yet to have a problem. We bought them both from Disney and our use yr is Feb. This is how I work it. I use the bank & borrow system, basically every year I am banking one of the 2 contract's points. One yr I will use 300 BWV points and the next yr I use 200 HH. I have yet to go to HH, our children are young and we feel that we should go to Disney every yr, so that's what we do. I love BWV and would love to stay there every yr, if the yr that I am using my HH points I can't get into BWV, I'll just go with OKW. As long as I am in Disney, I really don't care where I stay. When I go to BWV, we usually stay in a std studio, which is just fine by us. I think a lot depends on your tastes. We are ok with a studio, if you have to be in a 1 bdrm or bigger, you may want a bigger contract that can guarantee you that space. I also like to go for about 8-10 days once a yr, as opposed to taking multiple shorter trips throughout the yr. Airfare for 4 is only in the budget for once a yr. Did you understand all of this or did I lose you long ago??

Most people talk about how important your home resort is and for some I guess it can be, but for me I do have preferences, but as I said above, as long as I can be in Disney, that's what matters. Now if you plan to go every yr during Easter or Christmas week, forget everything I said and go with the big contract because home resort is the key. The smaller contracts require more planning, but I am a plan freak who loves the challenge!!!