We debated this exact same thing. Have opted for the 7 day cruise (all on points). Our reasoning - our kids are going to be 10,6,4,3 at vacation time: the 6 & 3 year olds don't like fast rides, the 10 and 4 year olds do but the 4 year old isn't big enough to do some of the rides but next year she should be and then we could split up easier (2 kids each). Also when our DS is 11 he will still love WDW and the others will be just that much older and enjoy it that much more (maybe the 3 year old won't be afraid of characters then). The beauty of DVC is you know you get to go somewhere every year! Isn't it great? Don't know how much sense this made to you but it's just what we thought worked best for our family. We still might go to WDW on the Sat. the cruise returns and fly out Sunday but points for Sat. are high so......