As you mention Vero Beach, it's also really important to note that cost-per-point at buy-in is only ONE of the costs of
DVC. You also have to consider the annual dues.
Vero Beach has some of the highest annual dues per point - for 2016, it was $8.0846. By comparison, Saratoga is $5.4391, and BWV is $6.1753.
If we look at 100 point contracts, an average contract for Vero Beach will run about $65/point, Saratoga will be $90/point and BWV $100/point.
So your initial outlay for each would be:
- VB: $6500
- Saratoga: $9000
- BWV: $10000
However, then your annual dues, without adding in annual increase, would look like this:
- VB: $808.46
- Saratoga: $543.91
- BWV: $617.53
At those rates, it takes less than 10 years of ownership for the Total Cost of Ownership of Vero Beach to exceed that of Saratoga, and roughly 18 before Vero Beach exceeds the cost of ownership of Boardwalk. Those estimates do not include raising dues (which will occur); 1.5% of Vero Beach's dues will increase more quickly than 1.5% of either BWV or Saratoga.
If you want to book in October-November, though, your Vero Beach points are most likely to get you Saratoga, maybe Animal Kingdom, or Old Key West. So especially when you look at Saratoga, you would be paying a premium in just a few years for Vero Beach points to stay exactly where you'd stay in October-November with Saratoga points, only without an 11-month booking priority on WDW property.
That said: If you want to stay at BCV or BWV in the fall, buy there.