If you read this board you will see the mantra, "Buy where you want to stay." so much that you will start repeating it to yourself unconsciously. And while it is not an invalid point, if you are not a planner, it will not apply.
If you cannot and do not plan before 7 months out, you get NO ADVANTAGE over anyone else regardless of ownership. Let me be clear; once the 7 month mark hits, points are points for a reservation. Therefore, (these are just examples, people, no flames required!) owning 250 BCV points that you paid $26,000 for with annual dues of $1,157.50 will get you the same room as owning 250 HHI points that you paid $16,250 for with annual dues of $1,245 -OR- 250 SSR points that you paid $19,500 for with annual dues of $1,030. And regardless of home resort ownership, if you book less than 7 months out you should be prepared to regularly stay at SSR or OKW since they generally have the best availability. Can you get BCV or VWL at 6 months? Sometimes, but do not count on it ... regardless of whether you own there!
So if you are a planner and you want to stay at a specific resort (especially if it is at a busy time or in a rare room), then "buy where you want to stay." Otherwise, buy the best deal for your family keeping in mind the initial price AND annual dues.
Blahnde