And sometimes when you're out of points, it's fun to take advantage of the offers. I did that last December with the Disney Visa Free dining and I and two of my adult children had a great visit and really made the most of the meals, including Candlelight Processional at Le Cellier.
That sounds like fun! The only way I could get my friends down there is with any DVC point I had!...they are not Disney-obsessed, as I am.
That's a good reason to buy in....to be able to go on vacation with other family/friends who wouldn't normally go. 
Do you ever exchange your points at other places? If so, is it easy and reasonable to do? Sorry if this is on another thread......


), and one of the things that pushed me to the other side was that instead of paying for a room for a week I'm taking that same money and paying for a room for 50 years.
We have never felt short changed. Someone did a spread sheet on this........it might make you see things more clearly.
We will at times stay in a studio but the one bedrooms are why we bought DVC. Give me that full kitchen, washer & dryer, whirlpool tub, and the separate bedroom with a king size bed.
Two more DVC trips like that and my DVC is paid in full!!!!