We used our DVC points to book a cruise for next month- as we have in the past. We are now beginning to think that using points for a cruise isn't the best use of the points. We love to cruise and will continue to do so but from reading the boards and knowing about the on-cruise booking it seems more prudent to just pay cash. We bought the points to use for our vacations but it is bothersome to know that other passengers get on-board credits, some as high as $300, and the cruise line offers a discount for pre-booking on the ship but there is no discount for using points. So I ask, doesn't it make more sense to just pay cash and save those points for another fabulous vacation or am I missing something? Thanks.