Yeah, at 75-100 points, realistically, I would say you are buying AP probably once every 3 years, and at best, once every 2 years. Of course, if you decided you can do with much cheaper off-site stays once you run out of
DVC points, than maybe getting AP every year make sense.
Otherwise, your break even point is probably > 15 years, and that's assuming the spread will continue to be > $400 difference per year.
Great3