Using points outside of Disney only makes sense if you really don't want to go to Disney and you don't want to spend the money to get the Concierge Collection type of accomodation. With a young family I would concentrate on using your points for a long time at Disney resorts first. That being said the quality of the Concierge collection resorts is also fantastic and is an option - although an expensive option. On an off year when I was not going to go to Disney I once chose to use 147 points to stay 3 nights at the Fairmont Hotel in San Francisco and I have also stayed 2 nights the Coral Gable Biltmore (82 points). You can see that you would not get many days for your points if you currently have 175 points. Look at the point charts and you will see what I mean. The Concierge Collection is a nice option if you get in a bind as I did and are left with points at the end of your use year that you cannot bank. Imagine having that problem. I had some airline milage and chose to travel a couple places for virtually nothing so it made sense to me at the time to use the points that way. It is not an efficient use of your points from the point of view that it costs you much more per night outside of Disney than at a Disney Resort. You also incur a $95 charge when you book your reservation through the Concierge Collection. Just some things to consider. Enjoy your DVC Vacation Club Membership! I enjoyed mine woth my kids now I am looking forward to sharing it with my future grandchildren.