Sorry I'm not good about understanding everything about points, etc., but from looking into
DVC a while ago I seem to remember reading previously that you had to book the DVC
DDP with the services desk ahead of your stay (maybe 3 days? But you didn't pay until you got there?), and didn't exchangers (only) have to pay something like a $95 or $100 extra fee?
DebbieB are you still out there and can tell us if I'm confusing it with something else (usually am

)