Hi neighbors!
Another northern Californian here. We live in Petaluma, in Sonoma County.
We joined in 2000. We bought 150 points, figuring we'd go every 2 or 3 years.
We first used our points to trade into the Hyatt High Sierra Lodge at Incline Village at Lake Tahoe. It's just a couple years old and is beautiful. Plus, Incline Village is a quaint little village - just you and several multi-millionaires. Very quiet and peaceful.
We are going to WDW this summer for our first WDW trip using our DVC points. We like how wonderfully themed all the resorts are so we've split our trip into about equal stays at BCV, OKW, and the AKL Concierge Level. This will cost us all our points from last year, this year, and all but 30 or so for next year.
For air fare, I found a good fare on SWA flying out of Oakland (I hate flying out of SFO). When checking all the various web sites, I found that I always got a cheaper fare if we fly in/out of Tampa instead of Orlando (at least for all the dates I used). So we're flying into Tampa getting in around 11pm. We'll stay at the Tampa airport hotel and then get a decent start the next morning (it also saves 1 day on our car rental, too). Looks like it's only 70 or 80 miles from Tampa to Orlando.
As with many others, our other favorite vacation destination is Maui, but as others have pointed out, getting decent air fares during the summer is harder and harder to do. I don't think we'd ever buy a Hawaii time share, though. We always use the Entertainment Book to get 50% discounts on Maui condos and have never had a problem getting what we wanted. I'm sure what we're paying is less than what it would cost for 1 or 2 weeks plus maintenance fees for a nice hawaii condo.
jim