atthebeachclub
No talking you out of it here.
I believe that, if buying direct today, the lowest-cost option is Saratoga Springs. As you probably know, it's currently priced at the $215 per point, the same as Animal Kingdom Lodge and Old Key West. However, Saratoga Springs stands out thanks to its lower annual dues of $8.45 per point and a historical average annualized compound growth rate of around 3.9%.
Given those factors, SSR seems like the most cost-effective choice, especially if the goal is to book at Polynesian, Bay Lake Tower, or Villas at
Disneyland Hotel using the 7-month window.
Poly direct points at $235 (+$20/point) with lower dues of $7.93/pt could offset over the looooong haul (like 20-30 years) but a lot can change in the dues space.
Only other thought is if
DVC has another existing resort fire sale like a year or two ago. That seemed successful and might be something they repeat. No telling if or when that would happen. At that time, I was in the market to add on 200 points and bump up to regular 2-bedroom stays. Was considering going the resale route but instead bought 200 OKW 2027 points at $135/pt. I didn't want the +$10/pt annual dues, however, OKW direct delta of $135 vs $215 for sleep around points offset the higher dues. We also stay at VDH and have VDH direct. Having some other direct points helps. Not a lot of bedroom suite availability at VDH. Last trip we booked two studios, and it worked out great. Can only do that if having direct points.