We're obviously in the minority here...bought the smallest resale we could find @ VWL (just enough for a studio once a year); but we picked one w/banked points.
Did an add on @ BWV in same vein.
We wanted to expose ourselves to the least risk possible as to initial cash layout...glad we didn't finance a ton of points...too much pressure to use/rent, etc. Figure we can always add-on...hopefully, @ Cont or AK.