For both Beach Club and Boardwalk: It’s really not that bad if you look at TVM calculations and compare
point charts with costs of staying on the hotel side, instead of doing basic calculations that only compare it to other
DVC resorts by spreading the upfront costs over the remaining years as a flat amount (which doesn’t account for TVM very well, in my opinion). People use this very basic calculation to justify spending more on direct points or on longer contracts, and that’s also questionable Disney math.