I have been doing a lot of thinking about buying
DVC and what our needs would be. I need to blurt out some thoughts here and see if this scenario is feasable. Someone tell me if I have got this right or where I'm wrong
I want to buy my main points at BLT but 200 points would be too many for our needs. If the minimum is still at 160 and the incentive was REALLY good, I might be convinced to buy direct. I don't have my own guide yet but have a referral for a guide at the Doorway to Dreams store which I understand sometimes has its own separate incentives. I am waiting to see if they come out with a Friends and Family referral incentive this year and how that would compare with my current spreadsheets so far!
Due to various circumstances, we would likely not be looking at going back to WDW until 2010 at the soonest. Maybe not even until 2011.
Otherwise, I'd like to get a small SSR contract for 25-50 points via resale for a Sept UY. A somewhat stripped contract without 2008 or 2009 points would be ok with me since I would only plan to use these SSR points at the 7 month mark to add days to a BLT ressie. Ideally I would start shopping around for a suitable resale contract in early 2010 and allowing 2-3 months for ROFR and closing, make an offer on something in April or May at the latest.
Assuming I'm in the system as a full member in August 2010, and the min for add-ons hasn't increased, I could then do a 100 pt BLT add-on contract. I'd receive 2009 points, banked into 2010, and when Sept 1 rolled around, the 2010 points. Which means I'd have 200 points avail to be used through Aug 2011? I'd be paying partial/pro-rated calendar year MFs for 2010 on the BLT points and whatever MFs were agreed upon with the seller of the SSR contract. I would pay full MFs for both contracts in 2011. If down the road the SSR wasn't working out for me, I could sell it on the resale market.
I would have to use or rent the 100 banked 2009 points by Aug 2011 but I could bank the 2010 points (by the end of May 20011?) and give myself 200 points to use between Sept 2011 and Aug 2012. (I know about borrowing, too, but I'm assuming here that my vacation needs wouldn't exceed 200 pts per trip.)
Ok, that really helps to write it out and allow me to kind of "think out loud".

Someone tell me if I am imagining things correctly or where I am going wrong!