OKW - one UY. All resale - I don't need a $15,000 discount card for a couple of trips (we rarely eat/drink the WDW edible substances and I have no need or space for more tourist tat). I'm planning for a big family holiday in 2028 (or later)
We started with 150 to dip toe in the water. Added another 210 a year later to get what I needed for the big family trip. Last year, saw a 230 contract with double points and thought that could be great for SAP if we think other resorts can trump OWK. I didn't need it so I just bid $64 and asked the seller to pay for the current year dues. I was surprised they accepted.
Did a 5 resort tour last year (using all those SAP) and realised that OKW was the right choice. Therefore sold the 210 contract knowing that I wouldn't need it.
No addonitus here. I know the exact number of points needed for the target holiday - 2 weeks, one 2 Bed villa and two Studios - banking and borrowing for the 3* multiplier (I know the rule isn't g'teed) . Once that's been had, I'll sell the 230 contract and think about maintaining the 150 for the odd break now and then.
The really important lesson is to use the average prices quoted by
https://www.dvcresalemarket.com/ as a guide only and aim to pay 25% less. And don't be put off by shows such as My DVC Points telling you that these deals are wishful thinking. That's just bilge.