I wasn't talking about anyone in particular. I don't bother to read any of these "analyses" anymore, and I haven't read any of the scenarios in this thread for more than a few seconds. My eyes glaze over.
My initial reaction to
DVC was similar to yours. I took the tour alone, and immediately decided I wanted to buy. Fortunately for my family, I didn't -- instead deciding to go home and research.
A random Google search led me to the DIS, and the info I gained here led me to make my first purchase resale. I later bought an add-on direct because of the numbers -- it actually WAS a better deal than buying resale (that was in 2005, I think). That's actually the only time I've looked seriously at the numbers for my own purchase.
I can crunch the numbers with the best of them. I can prove anything with numbers, but I didn't bother. It really was not important.