Have you considered the
DVC? Staying at the WLV is the next best location for proximity to one of the monorail resorts. We launch to CR and walk over to MK. I am the same age as you are - I bought in to DVC in '92, when I was making low wages - just treated it like an auto loan and kept my car. Did my costs analysis based on using it for 10 years and selling it - or even letting it lapse, if I didn't want it anymore. Since so little was able to be predicted about how it would work at the time, I was only thinking 10 years out. What I have experienced since that time:
- I have been able to rent half my points every year (always turning people down) to defray maintenance fees
- I would have spent more on Disney hotels
- I plan to borrow my DVC points to the max, as even if I outlive my membership, I don't need to be a member when I am 82 (wouldn't mind being a member, but don't NEED to be)
- It is by far the "best performing" asset I have. When my 401k reduced in value by about half along with the rest of the general public a few years ago, my $57 DVC points were probably sell-able at around $80/pt. Current price from Disney = over $100/pt.
Random thoughts on a Saturday night. Trust me, I have not "arrived" either - just made up my mind that I would be going to Disney annually anway, so might as well be a member...
In summary - Buying into DVC is probably the only decision I have made in my life that I have not only never regretted even for one nano-second, but wax enthusiastic 14 years later....