We are new, so no personal experience. But on this board and people that I have met personally who are member have all had good things to say.
Now for us, one of the things we did consider was that we did not want ALL of our vacations tied to Disney. We do want to do other things.
But that is why we liked the 'bank & barrow' options. We just bought this year and we are banking all of our points for next year, then we are also going to 'barrow' from the following year.
By 'banking and barrowing' we can have a very nice vacation with Disney every other year (or go for a real big vacation and use 3 years of points all in one year by BOTH banking AND barrowing in the same year).
So we only bought the 150 points, planning to bank and barrow a lot. Next year we are planning on going on the cruise (3 day) and staying at WDW for 4 days before heading out. Then the following year we won't be going (we already know in 2004 we are going to Hawaii), so we will plan another wonderful trip for 2005.
Anyway, my point was, that I didn't want All Our Eggs In One Basket, so we bought the fewest points and look forward to enjoying a very nice vacation every other year.
DJ