Home resorts available directly thru Disney!!

Use DVC points for DVC stays. Any other use isn't worth it. DVC is just too expensive to use outside of the DVC resorts.
 
If you like to switch up resorts (I do, that is why I bought) you could buy enough SSR points for a 1 bed, AND have money left over. compared to buying Copper Creek or Poly direct . 1 beds have much more availability at 7 months than studios. I keep a close eye on this, and generally end first week Jan to penultimate week Sept, want a 1 bed you can book anywhere. Book dead on 7 months and even in busy periods you often have a decent choice at 7 months. Studios go very quick and are often difficult to get, albeit not impossible by any means in the quieter months. This year I booked studios at both Poly and AKL on 6 months. For 7 months hence now, I can get a 1 bed anywhere in WDW in Feb, but not a studio everywhere (many restrictions). You will pay more dues with this method (double points) but Copper Creek dues are 50% higher than SSR anyway, and you could grab a studio when available at 7 months and rent excess points which will cover roughly twice the dues cost and offset dues in other years when you are taking the 1 bed. And of course, you get to stay in a 1 bed, which is a different experience to a studio- once tried with a family you will not want to go back.
 



















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