We bought into HH in 2002 specifically for that reason. At that time it was cheaper in points, DVC was offering great incentives, and HH was cheaper in MF. Not the case on MF anymore. We have used our points 85% of the time to stay at WDW, and knock on wood, never have a problem getting villas in WDW on our HH points at the times that we like to go. We love our HH points, we get an 11 month window on the summer for HH and still get to goto WDW 2 or 3 times a year. We recently added SSR, but that was not because we were concerned about not getting an 11 month window for WDW it was because we wanted more points. That being said, if you are partial to a certain dvc resort, I would buy at that resort. We have always had to go on a waitlist for VWL, but the waitlist has always come through. My crew is laid back, we don't care which DVC resort we are at as long as we are at WDW. Make your decision on what's going to make your family happy, if usually go to WDW in the off times and you don't care which resort you are staying at... then go for it.