I agree on the resale pts, just don't buy Riviera resale as there are more restrictions on it--can only stay at Riviera or pay the $95 to exchange with interval international. We are lucky to have all 'grandfathered' resale points--so we're 'blue card' members and get the discounts, etc. I believe if you buy any of the older DVC via resale, you can stay at any of the older ones, just not Riviera and any newer ones. If you plan to mostly use at Disney World, buy one AT Disney World, so you can book up to 11 mths out at your home resort, and then can switch to another at 7 mths.