The math works out very well for me at
DVC, having bought in pretty early and going as often as I do. My Boardwalk DVC buy-in in 1996 was $27,610 for 440 points. The dues back then were around $1700 yr - now they're up to around $3800. I stay almost exclusively in 1-bedroom villas, mostly at Boardwalk, Wilderness, and some Saratoga or OKW mixed in, 4-5 trips a year and about 22-25 nights per year total. If I divide my buy-in by 28 years so far, it's around $986 a year - plus dues at $3800. - so that's 4,786 a year, divided by 22 days would be around $217 a night. Of course, my buy-in would be really divided over the life of the contract (46 years would be $600 yr), but even cutting it short, it still works out favorably. It's more amazing to think when I first bought in, I was averaging around $100 a night to stay in 1-bedroom villas!
What would a 1-bedroom cost at Boardwalk Garden view or Boulder Ridge in January, June, September, and December each year? Rack rates seem to be in the $900 range in Jan and Jun when I typically go, $1000 September, and $1200-1300 December...Boulder and Boardwalk are fairly close in cost each season. Even with sales and incentives, I don't think I could come close to $200ish a night for a 1-bedroom. And when dues were even lower over the past 28 years, the math was even better. I haven't regretted the purchase at all, and figure honestly I've already got my money's worth out of it over these decades that even if I stopped going, or the dues pile up even higher over the next 18 or so years in the contract. But I intend to continue going about the same number of days, maybe even a little more as I get closer to retirement.