There was a time when we lived closer and went to WDW and stayed at DVC 3 times a year or more... Sigh.... Still, I never even thought paying to stay at another resort to save points was an option for us. I understand why others feel it's to their benefit, but I feel that I pay my money to Disney for my DVC. Why should I pay them extra to stay somewhere else under the guise of making it a "value" to me. Sure I can go to another resort and use a
AAA discount (only a DL AP holder, so no WDW AP benefits for me), but why? It just complicates passes, dining plan package, etc. leaving one "Key to the World" card and starting up another.
For us, it compares to double paying my vacation. I consider my annual dues to be what I would normally save and pay for an annual vacation, since I surpassed my original cash outlay in the savings I achieved by 1997. To save points, I check to see how many I need for my DL stays per year and then choose my WDW resort according to what I have left of what I want to use or borrow and what season I'm going. If we really want to stay somewhere specific at WDW - we check the needs for that allotment first and then go from there for the rest of our DL needs. We may adjust there based on what's left. That means DLH instead of GCH, lately!
Now, we book 7 nights, Saturday - Saturday, since we live California and usually take red-eyes on the outbound trip to FL. Our 250 points get us through that - no problem. We even have leftovers to stay at DL about 3 nights a year, too.
The only time we've ever changed resorts is when we couldn't get all the nights we needed. I wouldn't do that again, especially with small kids in tow. We had to do that last year - went from 1BR @ AKV for 5 night to 2 in a studio at OKW. Packing up and moving was enough of a pain, but add 2 kids under age 3 who never adjusted well to the time change due having had a day flight on the outbound instead.... Recipe for special moments on a vacation!
That's how we roll! What's good for us may not be good for everyone.
Nancy