So... I could call to reserve at the 11 month window and say that I'd like an 8 night stay Sun - Mon, using points for the first 5 days, Sun - Thurs, pay cash for Fri & Sat nights and use points for the last Sun? And I would be comparing the room cost of cash w/ 25% DVC discount vs renting a point transfer from another DVC owner at aprox $10 pp?
I have been pondering buying DVC off and on for years now and am finally getting to the point where I am starting to understand some of the complexities of the sheer amount of personal choice! And I have to explain it all to DH in the simplest way I can!

I really don't want to get suckered into buying more points that we need to. DH does not want to feel like we're obligated to plan trips to WDW more frequently that he's ready for. I think getting the right amount of points for every other year would give us some flexibility to stretch it every 3 years if needed.
I don't think we'd need to current min of 160 points and we're in no hurry to get DVC right away. I think what I'd like to do is keep an eye out on the BLT resale market in the coming year and try for a 100 pt contract.