By way of comparison, I crunched the numbers. Over life of contract, HHI will cost somewhere in the region of $5000 less than Saratoga- over full life of contract including dues. That is not in today's money. That 5000 will be paid in MFs over the life of the contract, so in 25 years in today's money it may only be 2500.
HHI ends in 25 years. Saratoga has another 12 after that. So for what 5000 will be worth in say 25 years, you get 12 years extra of fully paid vacations, MFs included. This takes into account MF inflation, based on historical average increases.
So financially, a SSR contract makes massively more sense than a HHI contract.
However, HHI is very difficult to book at 7 months in summer if you want to go then, so if you have to go to HHI, buying there can make sense still.
