I own 400 points at Saratoga Springs. Here is the reason it makes sense for my family. Disney is just a way of life for us so we might as well just bite the bullet and own a teeney little piece of the magic! You do pay a large amount at first. But if you spread out what you pay over many years of vacations you will see that in the long run you are staying at a deluxe level resort for less than what a value can cost. And I am locked into the price I paid. Meaning points at SSR are higher now than when I bought a year ago but I am still paying my original price. And don't forget, values, moderates and deluxes will all go up many times throughout the next 50 years. I financed 80% of my points thru Disney and in 10 years I am paid off. I own my interest in SSR for 50 years, then yes, they go back to Disney. I'll be 90 so at that point so I'm okay with that! After my points are paid off, I will have monthly HOA dues (around $160 a month right now for us with our amount of points) but thats it. I know we will never not use our points. They go quicker than you think. You can bank points if you think you won't use them and you can borrow points from the next year. You get many discounts at WDW. Also at some point (I know its not gonna happen but for the sake of discussion) if we get sick of Disney we can use them someplace else, Hawaii, Europe, many places. You pay $10 to rent, but the value of my points for me is around $5.50 a point. So if I want to stay at studio at SSR in October, its around 11 points per night. That is around $60 a night, a very good deal. When we had our first stay at "home" in October I knew my family had made the right choice, I wish we had done it years ago and saved a bundle! For you it just might not be the right thing however. It is confusing and if you have a lot of questions, I would go over to the
DVC board and ask the experts.