The last post was a good example of trying to figure out what your needs will be and how to approach your purchase.
In short, each unit size and each night of the year has a specific points "cost". So taking a look at when you'd vacation and then looking at the points allotment charts will tell you how much you need for your vacation.
When we initially purchased we figured out how many points it would take for the time we like to go the most and the size of accommodation we would at least require and went with those amount of points. We bought in May with an October use year. Your Use Year is the month that your points renew each year (the 1st of that month). We also purchased directly from Disney, we didn't want to go thru resale, as this was our first ever timeshare purchase, but resales are an option - there is a link on top of these board pages for a resale company.
Anyway, banking and borrowing, which works much like other timeshares, (can bank points into one year ahead, can borrow points from one year ahead - thereby you can accumulate up to 3 years in points if you want to) contributes to the already flexible points based time share.
If you haven't already contacted a vacation guide at Disney, it would be a good way to get lots and lots of info on the specifics. They are very low key, won't be to pushy, ultimately the decision is yours and they respect that.
Good luck - it's certainly nothing we've ever had any regrets about! No second thoughts here! We love it, bought when we could afford it, so no wishing we could have bought sooner, got the home resort we still love the most, (even though at the time it was only the 2nd resort there and the only one available), and go whenever we want! Nothing bad about that
