I know a lot of number crunching has been done which shows the cost savings of owning DVC vs. staying in the deluxes. I'm wondering if anyone has done a comparison between owning points and renting points on a regular basis. Here is a very simplistic example: We own 500 points. I think we paid on average $74 per point or $37000. Say our dues are 4.25 per point or $2125 annually. Now let's say we can rent 500 points per year at $9.50 per point. for an annual cost of $4750. This means that, this year, we save $2625 by owning as opposed to renting. Even assuming that dues will never go up, which they will, it would take us 37000/2625 or over 14 years to make back our initial investment. And, as I've come to realize, dues continue to go up but the cost of renting seems to remain static at between $9 and $10 per point. So really, the cost savings should decrease every year. I haven't done the calculation, but I have to imagine that if you factored in the inevitable increase in dues, it would take quite a lot longer than 14 years to make back your money. Also, if you are renting, you already have your money. There is no risk or worries that Disney will deteriorate in the future and you will not be able to sell and get your money back. It seems that any anxiety over renting could be mitigated by keeping a small account open to which you can have points transferred from other members. Anyway, has anyone ever pursued this line of thinking and what made you buy instead of rent or vice versa. Thanks!