I would recommend borrowing until you have undeniably reached the point where you need more AND can easily afford it.
There's no shame in borrowing. You can't compare it to a credit card or other financial debt where there is a real cost associated with borrowing money. DVC does not charge for borrowing points. In fact, you could argue that it's quite shrewd to use an asset for which you will not even pay (the dues) until some point in the future.
The break-even on any DVC purchase is about 8-10 years (less if you buy resale.) Consider whether your lifestyle is likely to change over the next decade such that the add-on would leave you with too many points. If so, you may end up taking a loss on the sale of those points.
There's no shame in borrowing. You can't compare it to a credit card or other financial debt where there is a real cost associated with borrowing money. DVC does not charge for borrowing points. In fact, you could argue that it's quite shrewd to use an asset for which you will not even pay (the dues) until some point in the future.
The break-even on any DVC purchase is about 8-10 years (less if you buy resale.) Consider whether your lifestyle is likely to change over the next decade such that the add-on would leave you with too many points. If so, you may end up taking a loss on the sale of those points.
