I know this is a Disney Board so don't anyone flame me, but....If you are trying to find somewhere to vacation every year that is less expensive, you might check into Westin Vacation Ownership. We own in Maui and Florida, and you can either use your Villa points to go to your home villa, or go to any of the 14 (with more to come) other villa's that they have. I have found it to be a little bit better than the Marriott program, and definately cheaper than buying points thru DVC.
You can also choose to trade your points (if you are not using your villa that year) into hotel points, and can stay at any Westin Hotel or chain (Sheraton, W, Four Points, etc.) with no blackouts, and by the way, the Swan and Dolphin are included in that list too, because we traded in some points and we are going to stay 2 nights at the Swan on points in October before going on our Magic Cruise. When you become owners, you are automatically enrolled in the Starwood Points at the Gold level. If you own at more than one villa you are bumped to the Elite status, with additional perks. Of course you still have maintenance fees, but depending on where you own they can be as low as $400 and change all the way up to $1200 a year.
So far this year we didn't use Maui or Florida, traded it in for Villa points and I have spent one week in Bahamas, one week in California, 2 weeks in Myrtle Beach, SC, and I still have 11,850 points left. Points you lose if you don't use them, but if you switched them to Starwood hotel points, those are good for 7 years.
You can PM me if you want anymore info.
Lynne