We also purchased DVC 10 years ago. At that time we were a family of 6 ( kids now grown) and wanted the more spacious accomodations vs. getting two rooms. At the time we paid $9600 for 150 points that would last us til 2042. We get 150 points to use each year and can bank or borrow them. I have friends with many, many more points but this was all we could afford at the time and it met our needs. Of course there are dues but my total costs per year to stay in a DVC villa has been much less than if we stayed all those years in two value resort rooms, even with a discount, plus I have many years left to enjoy using those points and sharing with future grandchildren. I have also rented some un-needed points to others @ 10.00 a point which is a common amount ( see the DVC rent/trade board). In value season a studio at OKW is 8 points, hence someone else got to stay there for $80.00 a night including tax. Points at BCV, BWV, and WLV are only a maximum, for studio during value season of $12.00 a point, so someone could have stayed there for $120 a night. I agree with everyone who has said there's something for everyone- we have truly enjoyed our membership and it's been well worth it for us. It's allowed us to stay on property in gorgeous accomodations without breaking a budget. ---Kathy