The current
DVC member price for a PAP is $483.53. The OP was talking about renewing a PAP for the duration of her DVC membership. (PAP renewals are currently $440.92 but it's not possible to buy more than one of those per person.) Buying just 10 years worth of PAP vouchers would be $4,835.30 per person. I can't see handing that kind of money over to Disney for tickets I might not even use. As much as I want to believe I will still be going to WDW in 10 years I'm not willing to buy 10 years' worth of AP vouchers up front. But I do agree having those funds sitting in an account earning 1-1/2% doesn't make sense either!