We are currently evaluating buying DVC pts through a resale company. Our thought process is to buy pts at Saratoga Springs since the maintenance fees are quite low and the price/pt. is the lowest besides Vero Beach. We don't plan on staying at this resort ever but our strategy would be flawed if we can't reserve a 2bedroom/2 bathroom place and use our points at Bay Lake, Animal Kingdom, or even a cruise if our 1st and 2nd choice can't be reserved. Can anyone give us some guidance on how difficult it is to book even if we book 7 months in advance every year. I'm assuming a lot of people are taking this same strategy to lower the price to entry.
Here is another factor that you might want to consider: The cost of maintenance fees over the life of your contract. Once these are factored into the equation, the cost difference between a BLT contract and a SSR contract becomes smaller.
In doing the following calculations, I assumed that you would need 230 points a year. This lets you do a two-bedroom Lake View at BLT for Wed-Sat at Thanksgiving (BTW, I seriously doubt that BLT's limited number of standard view rooms will be available at the 7-month window for Thanksgiving week). Disney is selling BLT at $99 with a referral from a member. Thus, a BLT contract costs (99x230) $22,770. An SSR resale contract varies in price, but I arbitrarily picked $71/ point, meaning that an SSR contract would cost (71x230) $16,330. You save $6,440 on the initial purchase by going with SSR.
The current maintenance fees for BLT and SSR are $3.67 and $4.34, respectively, per point. On a 230-point contract, you'll pay $844.10/year at BLT and $998.20/year at SSR, a difference of $154.10. Over 30 years, that difference will amount to $4,623.
Once maintenance fees are considered, the difference between a BLT contract and an SSR contract becomes only ($6440-$4,623) $1,817. And if you spread that difference over 30 years, it costs only $60.57 a year to own at BLT. As other posters have mentioned, it may not be easy to book BLT for Thanksgiving at the 7-month window. If you really want BLT at that time, then you may need it to be your home resort. For just $60.57 a year, you can book at the 11-month window and almost be guaranteed you'll get exactly what you want.
Of course, no one can predict whether BLT's MF will remain 18% lower than SSR over time. Heck, we might see BLT's fees really jump in the next couple of years once it begins operations. But, for right now, its MF is much cheaper than any other resort.
We bought at BLT because we knew we would be happy to stay there. We also knew that we have several family members with little kids, and that that they would want to be next to the Magic Kingdom.
Good luck on your decision!