Break Even Point

When I initially posted about BWV vs Swan/Dolphin .....I should have specified I was comparing a studio to a hotel room. I get that people who stay in 1br and 2br villas that comparison isnt really valid.

But my question for people who use DVC for 1br and 2br villas, what would you book if DVC villas weren't available? I'm just wondering what percentage would be booking 1br and 2br Disney suites vs booking 1 or 2 regular hotel rooms.
We would need (at least) 2 hotel rooms, and we'd be a lot less comfortable. DVC lets us do things that we wouldn't be able to do/be willing to pay for otherwise.
 
When I initially posted about BWV vs Swan/Dolphin .....I should have specified I was comparing a studio to a hotel room. I get that people who stay in 1br and 2br villas that comparison isnt really valid.

But my question for people who use DVC for 1br and 2br villas, what would you book if DVC villas weren't available? I'm just wondering what percentage would be booking 1br and 2br Disney suites vs booking 1 or 2 regular hotel rooms.
We would have been trying to book family suites because 2 hotel rooms wouldn’t work for us (kids are 9 and almost 7 but were 6 and 4 when we bought in). We were already hooked on the space from our first trip with both kids (2 BR at Kidani) and we really felt like we were on top of each other at every trip after that one, even with deluxe. We likely would have been doing shorter trips in the family suites, probably Sunday through Thursday nights.
 
When I initially posted about BWV vs Swan/Dolphin .....I should have specified I was comparing a studio to a hotel room. I get that people who stay in 1br and 2br villas that comparison isnt really valid.

But my question for people who use DVC for 1br and 2br villas, what would you book if DVC villas weren't available? I'm just wondering what percentage would be booking 1br and 2br Disney suites vs booking 1 or 2 regular hotel rooms.
Bonnet Creek 2 bedroom unit or renting a house.
 
Doesn't it make sense to compare how points are actually used against a discounted rack rate for the same accommodations when looking at a break-even point? Feels like you are then comparing apples to apples, so to speak.
actuary here and husband a CFA... we have a spreadsheet with two tabs for each resort we own. One tab I do the calculation based on what the accommodation would've cost if we had pay cash. The other tab I do the same calculation but based it on what the room would've cost if we had rented points. In theory we could do a third tab based on what the trip would've cost if we had pay cash booking a room somewhere we'd be happy to stay (aka if paying cash, we most likely won't be booking VGF!), but I didn't bother doing this. The first two tabs both show very good break-even point already 😉. In my spreadsheet, I also calculate an ongoing per point cost for me which is the purchase price less incentives / credit card cash backs plus interests each year (what I could've earned if I had kept and invested the cash instead of buying DVC), and then I add in annual dues and deduct the "income" which is either rental income when we rent out points or equivalent value when we stay there ourselves. Quite happy to say that our Aulani contract is down to $6x something per point now 🙂. Can't remember the numbers for VGF off my head.
 




















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