That's the dilemma I face. I realize the cost is going to go up annually BUT 15 years from now (or anytime after my break even from upfront costs is realized) paying even $3,000 annually for a weeks stay seems like it would be worth it when you take into account that the hotel cost at that time would more than likely have increased also. Agree?
This was the way I viewed DVC when buying in. For ex., All Stars are priced at $155 per night rack rate in Oct., thats where we were staying until purchasing DVC. Best rate we ever got there, $50 per night, but circumstances were 9/11 had just happened, so travel was slim those days.
We knew the price for rooms would continue to rise, so buying in DVC got us bigger rooms, more amenities, and eventually we would reach a break even point.
As others have mentioned, your vacation habits will change. Ours did. No more up at crack of dawn, running around like wild people on a mission, coming in at night cranky and mad, tired, and doing all the same the next day. We now relax
Our 1st contract, $72 per pt, steep in those days, knowing many had bought in at low 50s. Next contract, $75, next, $81, last, $83. All were tough to swallow, but we have gotten so many great trips out of those pts.
Which brings me to now...knowing what I know as a member since 2001, I would have to go resale at the steep prices buying direct are. Buy where you want to stay for sure, and if VGF is where you want to be, thats got to be your personal decision, but if you looked at resale market(DIS sponsor, The Timeshare Store is one such resaler)you may see things in a different way, as prices are roughly half of what you are looking at now.