Taking this a step further, I also make an adjustment toward the time value of buy-in cost. With VGF I’m laying out money now for trips as far out as 40 years. I felt comfortable compounding 2% interest over the next 40 years and averaging that out to around $7.50 per point. So while VGF actual point cost was $4 each, I prefer using $7.50 plus the $7.33 in dues = roughly $15pp. I feel that’s a fair calculation as to the overall cost for each point we use.
Using that same calculation our BWV cost is near $11pp plus $8.53 dues, bringing it just under $20pp.
Definitely not exact science, just a rough figure. Helps us with comparing villa costs, cash offers, rentals, transfers or OTU points. VGF ~$15pp and BWV ~$20pp is approximately our personal usage cost each year.
The small BWV contract is for booking there at 11 months. VGF is for everything else.