I can't say anything about placeholders, but I can give you some actual numbers since I booked our cruise with some points and some cash.
Like others, I'd always heard that booking DVC with points was a lousy use of them, but with a bunch of extra points potentially going away due to COVID killing our travel plans, I figured I'd check. I called DVC on April 1st and after being on hold for maybe 45-60 minutes, got my info.
So our cruise is the Fantasy 7-night Very Merrytime Eastern Caribbean, November 14-21. Disney's price for 4 cruisers was and is $6,444. I also talked to one of the Disney travel agents that we'd used for our first cruise back in 2016; the price was the same but we'd get $250 in credit.
As was mentioned earlier, each passenger either uses all points or all cash. Here's the points and cost options that I gathered:
11B adult: 214 points or $1,749 cash.
11B child 1 (16 years old): 139 points or $1,131 cash.
11B child 2 (12 years old): 134 points or $1,189 cash.
8C adult: 248 points or $2,015 cash.
Since I figure we'll be spending little time in our cabin, I don't care about getting a fancy one. 11B is the cheapest category and that's what we went with. So I booked myself using 214 points and paid for my wife and kids using cash. Now, those cash numbers are as I wrote them down but possibly I misheard or the agent misspoke, because the total was actually slightly less when you do the math - $4,064 including the $95 transfer fee. You do need to pay the entire amount right away, but I put mine on my Disney Visa and verified with Chase that it qualified for the six-month no interest offer. If I canceled, I'd get the cash back (probably minus $95 transfer fee) but the points could only be used for another cruise, RCI, or similar, and only in the same use year, otherwise they're gone.
Doing the math, using those 214 points saved me $2,380, for a value of about $11.12/point. Possibly I could have gotten a little more by renting the points - I haven't been paying attention to what they go for nowadays, I know years ago they were usually $10-12 if you rented them but there's probably a glut of them because of COVID - but I think that's pretty decent value, especially if you're facing losing a bunch of points and don't want to deal with the bother of renting.
Meanwhile, we were supposed to visit your country last summer, it got bumped to this summer, and I booked this cruise after it got bumped again until next summer! I'm so anxious to get over to the UK!!! With a side trip to DLP of course!
