We just got APs and a TIW card on our November trip. That cost 645.39 more than the tickets we upgraded from. We have airfare credits with southwest that we have to use my 2/19, so we booked Jan 18-21 at AKV-Kidani in a studio. I used my OKW points to book this, 8 from 2015 and 25 borrowed from 2016. Including my buy-in costs and annual dues, lodging is 267.28. R/T NS airfare for 4 from IND, flying in super early and out super later was $590 after $162 in credits, and will still allow us 4 park days.
645.39 + 267.28 +590.?? = 1503ish + food and airport parking at IND
Our actual cost is lower than this, since I play the gift card game. For simplicity, we will say I bought 1900 in target cards from Kroger when they offered 4x fuel points. I saved 280 on fuel (1720 cost) and got 114 from my 6% cash back card since it was a grocery purchase (1604 cost). I used those target cards to buy 2000 in ebay cards using my redcard discount. I then bought target or kmart cards on ebay when they offered at least 4x ebay bucks. I go through swagbucks shop and earn I got discounted cards often enough to make the times I had to pay shipping on target cards a wash. I can buy ebay, southwest or disney cards at kmart at face value, or 5% discounted cards at target. So, over time, I have been able to turn my ~1600 investment into 2500+ in disney gift cards
And, I earned $1200+ in swagbucks in 2015, so my actual out of pocket is even lower
Assuming we aren't tired of Disney after our January trip, we will do 4 days/3 nights in May to enjoy Flower and Garden, likely at Beach Club. We will use my PVB points for that, so lodging costs will be higher (417.21), but our APs will still be valid and fully paid for
Also, I have ~275 in Disney Visa rewards to pay my DVC dues, so no actual out of pocket there. I am hoping to have enough miles with southwest to pay for our flights (so, less than 50 in fees there), and we will then just have to worry about food and parking, and it is entirely possible that I could earn enough in swagbucks that it is a "free" trip with gift card churning
Looking at the possibility of an October trip as well, but I will have to either pay for lodging outright or pay for some points from someone else because I am pretty much out