Sorry, but that simply isn't true.I'm arguing the general point that DVC doesn't save you money. If your math says it does, you are using numbers that aren't based in reality, especially at today's direct prices for points. There is NO way to make a direct sale justifiable when given the plethora of discounts that continue to be offered at various times of year. It's even hard to justify a resale purchase.
I have occasionally been emotionally swayed by DVC, and have run the numbers using ACTUAL prices I paid in the past, and extrapolating it out to the future, and at the end of the day, being on the hook for 40 years worth of maintenance fees is where they get you. It's not the initial cost of the contract.
This topic comes up cyclically here on the DIS. This is just another one where posters try to justify a luxury purchase as some sort of smart financial move. It's not, no matter how you spin it. DVC means money out of your wallet, and almost always MUCH more money given to the Disney company than you otherwise would have.
When I bought I had been planning and hoping I'd get a Free dining offer for a moderate resort for 2 trips I had planned. Ran the math a thousand times and free dining was always best for my family with 4 adults. And then I started considering DVC and looking at costs.
I bought DVC direct in 2017 and kept careful eye on what was spent on those first 2 trips via DVC points and other discounts (DVC and AP) vs what was available for the Mod I would have stayed in with the best available discount. Because of buying DVC APS, we broke even on the "upcharge" for direct very quickly and I didn't even care anymore, so I stopped keeping track. But I was being conservative and only comparing what the DVC room cost us (price per point + dues) to a moderate because we never paid for Deluxe. If I compared to cash prices for BW with a discount, I'm certain that we have almost recouped all of our upfront costs already.
For my January 2022 trip, booked for 5 nights in a BWV studio for 9 Pts / night, my dues cost is $331.
The reality is, if held for long enough, everyone will eventually break even on their upfront costs and once you've reached the point that dues is your only remaining cost, you're talking about HUGE savings.
Even when factoring in my price per point paid upfront, that room is just over $600 for 5 nights vs over 2K. You can't even get 5 nights in a value resort for $600 anymore.